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BJ’s One™ Mastercard®
BJ’s One™ Mastercard®
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Balance Transfer APR
- 31.24% 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: 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 19.24% to 29.24% 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: 31.24% 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®
BJ’s One+™ Mastercard®
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate Balance Transfer APR
- 31.24% 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: 19.24% to 29.24% variable based on your creditworthiness and the Prime Rate
- Balance Transfer APR: 19.24% to 29.24% 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: 31.24% 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 Business Elite™ Mastercard®
BJ's Business Elite™ Mastercard®
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
At a Glance
The BJ's Business Elite™ Mastercard® is a business card that maximizes savings at BJ's Wholesale Clubs. Your company can earn up to 5% back on BJ's purchases while savings 15 cents at the pump - all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5% back in rewards on most BJ's purchases
- 15¢ off/gal. at BJ's Gas®
- 2% back in rewards everywhere else Mastercard® is accepted
- World Elite Mastercard® status
- Regular Purchase APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: See Terms
- Late Payment Penalty Fee: Up to $40
- Your company frequently buys supplies at BJ's Wholesale
- Your company frequently purchases gasoline at BJ's locations
- You plan on issuing employee cards to maximize rewards
- You do't want to pay an annual fee
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
- 21.74% - 28.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.74% - 28.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.74% variable based on the Prime Rate Cash Advance APR
At a Glance
The Capital One Venture X Rewards Credit Card provides huge travel perks, impressive miles on every purchase, and more – for a $395 annual fee. New accounts also enjoy 75,000 miles after making $4,000 in purchases in the first three months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
- Regular Purchase APR: 21.74% - 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.74% - 28.74% variable based on 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. None for balances transferred at the Transfer APR.
- Cash Advance APR: 28.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $395
- Late Payment Penalty Fee: Up to $40
- You travel often, and want a card that provides lounge access, elite status, and more
- You plan on issuing cards to multiple authorized users
- You plan on spending at least $4,000 on the card in the first three months
- You don’t want to pay foreign transaction fees
Capital One VentureOne Rewards Credit Card
Capital One VentureOne Rewards Credit Card
- 19.74% - 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% - 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for the first 15 months that your account is open Intro Purchase APR
At a Glance
The Capital One VentureOne Rewards Credit Card features unlimited 1.25 reward miles earned per dollar spent on every purchase, as well as a cardmember offer that can result in 40,000 miles being earned after spending $1,000 on purchases within the first 3 months from account opening. These miles can then can be redeemed as statement credits towards the cost of travel purchases made with the VentureOne card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $0 annual fee and no foreign transaction fees
- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
- Transfer your miles to your choice of 15+ travel loyalty programs
- Intro Purchase APR: 0% for the first 15 months that your account is open
- Regular Purchase APR: 19.74% - 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 15 months after account opening date
- Balance Transfer APR: 19.74% - 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts at a promotional APR. None for balances transferred at the Transfer APR
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
- You can spend $1,000 on purchases within the first 3 months from opening an account to qualify for a signup bonus
- You're eager to earn an unlimited 1.25 miles per dollar on all purchases, every day
- You don’t care for annual fees or foreign transaction fees, as this card has none
You've viewed 5 of 34 credit cards
Capital One Credit Cards
Capital One is a leading bank and credit card issuer, with over 62 million credit cards currently in circulation. Capital One is a unique issuer in that they offer credit card products to fit nearly every credit profile. This includes those with no credit history, poor credit, and students, all the way to those with the best credit scores possible.
Benefits of Capital One Cards
Capital One offers a variety of unique benefits for its credit cardholders. These include:
- No Foreign Transaction Fees: Like Discover, Capital One does not charge foreign transaction fees on any of their credit card products. This means that cardholders save up to 3% on purchases abroad versus cards that do charge a fee. If you frequently spend money outside of the United States (even online), a card with no foreign transaction fees is a great benefit.
- CreditWise: All Capital One Cards come with free access to CreditWise. CreditWise is the bank’s credit score monitoring and advice app.
- Eno: Cardholders also have access to Capital One’s virtual assistant, Eno. Eno monitors charges, tracks spending, and issues fraud alerts should there be unusual activity on the cardholder’s account.
Capital One cards also come with the usual perks and protections you expect from both Mastercard and Visa. These include:
- Travel accident insurance
- Auto rental collision damage waiver
- Zero fraud liability
- 24/7 customer assistance
What to Look for When Choosing a Capital One Card
Finding your perfect Capital One Card can be tricky. Picking the best card requires carefully looking at every aspect of the card and comparing them to other credit card offers. Here are a few things to pay attention to:
- Annual Fee: Does the card charge an annual fee? Rewards cards – especially travel rewards cards (like the Venture Rewards credit card) – sometimes come with annual fees. Before applying for a card that charges a yearly fee, make sure you’ll get enough value from the perks, credits, and benefits to justify that cost.
- APR: Always check the interest rates before applying. The better your credit score, the better the rate you can expect. Also, does the card provide a 0% intro APR period?
- Rewards: If you are considering a rewards card, what type of awards does it offer? Pay close attention to how you’ll earn reward points. Are there particular categories that earn additional points? How long are points good for?
One of the most important considerations when selecting a card from Capital One is what benefits suit you best.
Capital One Rewards Guide
Cards, like the Savor, SavorOne, Venture, or the no annual fee VentureOne, earn points in the Capital One Rewards Program. Here’s how to redeem Capital One Savor and Venture rewar
Capital One Rewards Point Valuation
Like other loyalty programs, Capital One Rewards point valuations vary considerably. Redeeming points for cash back or merchandise through the portal, for instance, offers a much lower estimate than using points with travel partners or booking flights through Capital One.
The current top value of Capital one Rewards points is approximately 1.4 cents/pt.(the rate for booking flights with select partners). The current average value for Capital One Rewards points is one cent per point.
How to Earn Capital One Rewards
Cardholders can earn Capital One Rewards points when making qualifying purchases with select Capital One credit cards. This includes extra points on qualifying categories. The bank also offers signup bonuses on some cards, such as the 50,000 point bonus with the Venture Rewards Card. Other options for earning points include referral bonuses, earning extra points through limited-time offers, or making purchases with select partners through the Capital On portal.
How to Redeem Capital One Rewards
One of the great features of the Capital One Rewards program is the flexibility it offers. Cardholders can use their points towards a variety of award options, including cash back, shopping (including using points with Amazon), and travel through the Capital One travel portal.
Capital One Transfer Partners
Capital One points transfer to the following airline and hotel partners:
| AeroMexico (Club Premier) | British Airways (Executive Club) | EVA Air (Infinity Miles) |
| Air Canada (Aeroplan) | Emirates (Skywards) | Qantas Miles |
| Avianca (LifeMiles) | Etihad Guest | Singapore Airlines (KrisFlyer) |
| Air France/KLM (Flying Blue) | Finnair Plus | TAP (Miles&Go) |
| Cathay Pacific (Asia Miles) | ALL (Accor Live Limitless) | Choice Privileges |
| Turkish Airlines (Miles&Smiles) |
FAQs About Capital One
Here are answers to common questions about Capital One:
Yes. Capital one Creditwise is the company’s free credit score monitor. The tool allows users to check their credit score and use their unique Creditwise Simulator to see how specific actions can improve – or drop – their credit score.
Yes. While Cap1 credit cards were originally for building credit, today, Capital one provides a range of exceptional and rewarding credit cards for people with good or excellent credit scores. The company still offers cards for rebuilding credit, however, especially their Capital one Platinum Mastercard and Secured Mastercard.
Should you need a new credit card, or If your account was closed do to fraudulent activity, call Capital One customer service at 1-866-464- 7761.. Capital One can usually get cardholders a new credit card in 7-10 days, though expedited shipping may also be available.
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