| Last updated on November 13th, 2023
BJ’s One™ Mastercard®
BJ’s One™ Mastercard®
BJ’s One™ Mastercard®
- 19.99% to 29.99% variable based on your creditworthiness and the Prime Rate Regular Purchase APR
- 19.99% to 29.99% variable based on your creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BJ’s One™ Mastercard® helps you save big at BJ's Wholesale Clubs with up to 3% cash back in rewards on BJ's purchases, 10 cents off each gallon of gas at BJ's Gas locations, and unlimited 1.5% back on all other purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3% back in rewards on most purchases at BJ’s
- 1.5% back in rewards on purchases everywhere else Mastercard® is accepted
- 10¢ off/gallon at BJ’s Gas®
- Your rewards never expire
- Redeem your rewards in-club, on BJs.com or in the BJ’s app
- Regular Purchase APR: 19.99% to 29.99% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 19.99% to 29.99% variable based on your creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you.
- Cash Advance APR: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $3 or 3% of the amount of each cash advance, whichever is greater.
- Late Payment Penalty Fee: Up to $40
- You already shop at BJ's and do't have a The One membership account
- You pump your gas exclusively at BJ's Gas locations
- You do't want to pay an annual fee
BJ’s One™ Mastercard® Review
The BJ’s One™ Mastercard® is a cash rewards credit card from Capital One and bulk discount retail club, BJ’s Wholesale Club. The card earns up to 3% back in rewards on most BJ’s purchases, 1.5% back on everything else, and special savings at the pump at select locations.
Welcome Offer Bonus
New accounts with the BJ’s credit card from Capital One enjoy $40 in free rewards when they apply and are approved for a new BJ’s One™ Mastercard®. Getting $40 in BJ’s rewards is a great perk, especially as there is no spending requirement. Rewards will be added to your membership account approximately ten business days after opening your account.
How to Earn (and Redeem) Rewards with BJ’s One
The BJ’s One Mastercard is Capital One and BJ’s “entry-level” co-branded credit card. Because of this, it earns lesser rewards than its more premium sibling, the BJ’s One+™ Mastercard®, but not by much. As a cardholder, you can expect to earn 3% back in rewards on most purchases at the wholesale club and 1.5% back on all other purchases.
Rewards never expire. Your BJ’s One™ Mastercard rewards are yours for the life of the account. Please note that you must have a minimum balance of $10 in rewards to redeem, and your purchase must be at least $10 to qualify for points redemptions. You can redeem rewards when shopping with BJ’s –at BJ’s checkout in-store or online.
Wondering which BJ’s transactions don’t make the cut for those 3% back in rewards? Here’s the list:
| Shipping | Sales tax | Bottle deposits | Alcoholic beverages |
| Cigarettes and smoking products | Lottery tickets | Gift cards | BJ’s gas |
| Online optical purchases | Membership fees | Warranties or protection plans | BJ’s B2B and Global Sales transactions |
Gas Card Comparison
That gas purchases don’t earn rewards is frustrating – especially as BJ’s operates its own proprietary gas station brand. The Costco Anywhere Visa®, for example, earns 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% after that. Similarly, the Sam’s Club® Mastercard® earns 5% cash back on gas anywhere Mastercard is accepted on the first $6,000 per year, then 1% after that.
That’s not to say that the BJ’S Mastercard doesn’t offer savings at the pump. As a cardholder, you can expect 10¢ off BJ’s Gas® every day, with no cap on how many gallons you can pump. Simply pay for your fuel purchase and scan your associated BJ’s membership card – that’s it.
Here’s how the BJ’s One™ Mastercard® stacks up with other warehouse club credit cards that offer savings at the pump:
 BJ’s One™ Mastercard® |
 Costco Anywhere Visa® Card |
 Sam’s Club® Mastercard® |
|
| Gas rewards | N/A | 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter | Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%) |
| Gas discounts | 10¢ off/gal. at BJ’s Gas® every day | N/A | N/A |
| Other rewards categories | 3% back on most BJ’s purchases; 1.5% back on all other purchases | 3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% back on all other purchases | 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back; 3% cash back on dining and takeout; 1% back on all other purchases |
| Annual fee | None | $0 with Costco membership | None |
Other Card Features
World Mastercard is the mid-tier in the Mastercard credit card hierarchy. As a World Mastercard cardholder, you’ll enjoy exclusive access to Mastercard concierge and Priceless experience programs. These perks include the comprehensive protections you can expect from Mastercard, including $0 fraud liability and more, including:
| Zero Liability Protection | Mastercard Global Services | ID Theft Protection | Mastercard Travel Services |
| Mastercard Hotel Stay Guarantee | Luxury Hotels Collection | Airport Concierge | Priceless Experiences |
| Priceless Golf | ShopRunner | Lyft Statement Credits | McAfee Total Protection Trial |
BJ’s Credit Card Comparison
Not sure the BJ’s One Mastercard is right for you? Here is how the card compares with its premium sibling:
| Card |
BJ’s One™ Mastercard® |
 BJ’s One+™ Mastercard® |
| Rewards | 3% back in rewards on most BJ’s purchases, plus 1.5% back on all other purchases | 5% back in rewards on most BJ’s purchases, plus 2% back on all other purchases |
| Gas savings | 10¢ off/gal. at BJ’s Gas® every day | 15¢ off/gal. at BJ’s Gas® every day |
| Annual fee | No annual fee | No annual fee |
| Credit needed | Good credit | Excellent credit |
Capital One Ratings
How is Capital One a credit card issuer? Here is a selection of reviews for the bank from consumers and experts alike:
| BestCards | Better Business Bureau | TrustPilot |
|
4.5/5 |
2.5/5 |
2.5/5 |
Should You Apply for the BJ’s One™ Mastercard® from Capital One?
The BJ’s One Mastercard from Capital One is the replacement for the old the BJ’s Perks Plus® Mastercard® from Comenity. At this task, it performs admirably – but falls down when compared with other similar cards. The gas rewards category (or lack thereof) if most disappointing, although the 10 cents in savings for each gallon is a great benefit – but only if you plan to pump your gas at a local BJ’s location. Overall, the card performs well but lacks the oomph required to unseat its more noteworthy (and enticing) offers- namely those from Sam’s, Costco, or even Amazon.
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