Which card earns more rewards, the BJ's One+™ Mastercard® or TD Double Up Credit Card?

The BJ's One+™ Mastercard® has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.

What benefits does the BJ's One+™ Mastercard® have that the TD Double Up Credit Card doesn't?

The BJ's One+™ Mastercard® offers cell phone protection. The TD Double Up Credit Card offers cell phone protection.

Should I get the BJ's One+™ Mastercard® or the TD Double Up Credit Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

BJ's One+™ Mastercard® vs TD Double Up Credit Card

Both cards cost $0/yr. The BJ's One+™ Mastercard® leads on everyday spending; the TD Double Up Credit Card on everyday spending.

Card data as of September 27, 2026.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

$40 in rewards

$200 cash back

Earn Rates

Category	BJ's One+™ Mastercard®	TD Double Up Credit Card
Everything Else	2X	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

✓Cell phone protection

✓Travel insurance

✓Cell phone protection

✓Purchase protection

✓Rental car insurance

Pros & Cons

Pros

—

+Unlimited 2% cash back on all purchases with no category restrictions
+No annual fee
+$200 welcome bonus
+15-month 0% intro APR on balance transfers
+Cell phone protection included

Cons

—

−Only available to residents of 16 East Coast states
−3% foreign transaction fee
−$1,500 spend requirement for welcome bonus (higher than TD Cash)
−2,500 points ($25) minimum redemption threshold
−Regional bank with limited branch footprint

Category-by-Category Winner

The BJ's One+™ Mastercard® wins in 1 of 1 categories. The TD Double Up Credit Card leads in 0.

Everyday purchases

BJ's One+™ Mastercard® earns 2X on all other spending vs 1X

Year One vs Ongoing Value

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.

Modeled value is close across spend levels — especially once statement credits are counted.

Scenario	BJ's One+™ Mastercard®	TD Double Up 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: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $320	BJ's One+™ Mastercard®	Close — depends on how much of the credits you use
Heavy spender: $4,000/month	Rewards: $960 Credits (our usable estimate): $65 − Annual fee ($0)

The Bottom Line

Modeled value is close across spend levels — especially once statement credits are counted.

Frequently Asked Questions

Which card earns more rewards, the BJ's One+™ Mastercard® or TD Double Up Credit Card?: The BJ's One+™ Mastercard® has a higher base earn rate (2X vs 0X), but both cards have different bonus categories where they excel.
What benefits does the BJ's One+™ Mastercard® have that the TD Double Up Credit Card doesn't?: The BJ's One+™ Mastercard® offers cell phone protection. The TD Double Up Credit Card offers cell phone protection.
Should I get the BJ's One+™ Mastercard® or the TD Double Up Credit Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.