Last updated on September 18th, 2023
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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 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
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:
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|
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.