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BJ’s One+™ Mastercard®

Cory Santos

| Last updated on November 13th, 2023

BJ’s One+™ Mastercard®

BJ’s One+™ Mastercard®
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Mastercard Processing Network
None Annual Fee

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 5% cash back in rewards on most BJ's purchases, 15 cents off each gallon of gas at BJ's Gas locations, and 2% back on all other purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 5% back in rewards on most purchases at BJ’s
  • 2% back in rewards on purchases everywhere else Mastercard® is accepted
  • 15¢ 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 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 back credit card that helps BJ’s wholesale fans score big savings at their favorite retail giant. Cardholders earn up to 5% cash back in rewards on eligible purchases, enjoy special savings at the pump, and more – for no annual fee.

Welcome Offer Bonus

Capital One’s BJ’s credit cards both feature the same welcome offer. As a new account, you can expect a special $40 in rewards as a gift for applying – and getting – a new BJ’s One+™ Mastercard. That $40 cash back bonus is delightful because it costs nothing to receive – just apply for and activate your new card – not bad!

How to Earn Rewards

The BJ’s One+ Mastercard is Capital One and BJ’s “top-level” co-branded credit card. Because of this, it earns better rewards than its more basic sibling, the BJ’s One™ Mastercard, and replaces the old  BJ’s Perks Elite® Mastercard®. As a cardholder, you’ll earn 5% back in rewards on most BJ’s purchases and a flat-rate, unlimited 2% back in rewards on all other purchases.

Wondering which BJ’s transactions don’t qualify for rewards

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

Here’s how the two BJ’s credit cards compare:

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

How to Redeem Rewards

Because the BJ’s credit cards are co-branded store cards, your redemption options are limited. Unlike a proprietary Capital one credit card, BJ’s One+ cardholders can opt to redeem rewards when shopping with BJ’s –at BJ’s checkout in-store or online. 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. Rewards never expire for the life of your account.

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 One Plus Mastercard doesn’t offer savings at the pump. Simply pay for your fuel purchase and scan your associated BJ’s membership card – that’s it. As a cardholder, you can expect 15¢ off BJ’s Gas® every day, with no cap on how many gallons you can pump.

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 15¢ off/gal. at BJ’s Gas® every day N/A N/A
Other rewards categories 5% back on most BJ’s purchases; 2% 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

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

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:

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 Elite® Mastercard® from Comenity. At this task, it performs admirably – but falls down when compared with other similar cards (just like its younger sibling, the One). Without rewards on gas purchases the card struggles to compete against more worthy competitors, such as Sam’s Club or Costoc. Those cards offer up to 5% back on gas, while the One+ offers 0%. Sure it offers 15 cents off each gallon of gas, but that availability is only useful if you live near an eligible service station.  Ultimately, the card is a decent option if you have exceptional credit – otherwise, there are better no annual fee credit cards out there. 

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