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 Wells Fargo Active Cash Card on everyday spending.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | BJ's One+™ Mastercard® | Wells Fargo Active Cash Card |
|---|---|---|
| Everything Else | 2X | 1X |
The BJ's One+™ Mastercard® wins in 1 of 1 categories. The Wells Fargo Active Cash Card leads in 0.
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.
Both scenarios favor the BJ's One+™ Mastercard® on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | BJ's One+™ Mastercard® | Wells Fargo Active Cash 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: $150 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $150 Year one: $250 | BJ's One+™ Mastercard® | BJ's One+™ Mastercard® |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $65 − Annual fee ($0) |
Both scenarios favor the BJ's One+™ Mastercard® on net value (rewards, usable credits, fees, and welcome offer).
Network
Key Benefits
Pros
Cons
Rewards: $600 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $600 Year one: $700 |
| BJ's One+™ Mastercard® |
| BJ's One+™ Mastercard® |
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.
