You can also pay via paypal if I'm not wrong.

If it's worth it or not is your decision. I'm a member since 1995 and for me it's worth it because of the early entry at concerts (Europe) or fanclub tickets (USA). It's a Jon Bon Jovi-fanclub though and no Bon Jovi fanclub so you only get infos about Jon and also the stuff they make, like chats, is only with Jon.