Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The BJ's One+™ Mastercard® leads on everyday spending; the Capital One VentureOne Rewards Credit Card on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | BJ's One+™ Mastercard® | Capital One VentureOne Rewards Credit Card |
|---|---|---|
| Everything Else | 2X | 1X |
The BJ's One+™ Mastercard® wins in 1 of 1 categories. The Capital One VentureOne Rewards Credit Card leads in 0. 4 more categories depend on booking channel or caps.
Hotels
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; BJ's One+™ Mastercard® earns 2X (2X without restrictions)
Car Rentals
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; BJ's One+™ Mastercard® earns 2X (2X without restrictions)
Vacation Rentals
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; BJ's One+™ Mastercard® earns 2X (2X without restrictions)
Entertainment
Depends: via issuer travel portal
Capital One VentureOne Rewards Credit Card earns 5X when conditions are met; BJ's One+™ Mastercard® earns 2X (2X without restrictions)
Everyday purchases
BJ's One+™ Mastercard® earns 2X on all other spending vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Ongoing value favors the BJ's One+™ Mastercard®; year-one value favors the Capital One VentureOne Rewards Credit Card.
Network
Key Benefits
Pros
Cons
Ongoing value favors the BJ's One+™ Mastercard®; year-one value favors the Capital One VentureOne Rewards Credit Card.
| Scenario | BJ's One+™ Mastercard® | Capital One VentureOne Rewards Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $305 Year one: $345 | Rewards: $222 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $222 Year one: $592 | BJ's One+™ Mastercard® | Capital One VentureOne Rewards Credit Card |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $1,025 Year one: $1,065 | Rewards: $888 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $888 Year one: $1,258 | BJ's One+™ Mastercard® | Capital One VentureOne Rewards Credit Card |
Get the BJ's One+™ Mastercard® if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
