BJ's One™ Mastercard®
3% Back at BJ's, 1.5% Everywhere Else—Plus 10¢ Off Per Gallon
The BJ's One Mastercard turns every BJ's run into 3% back in rewards, saves 10¢ per gallon at BJ's Gas, and earns 1.5% on all other purchases—all with $0 annual fee and no foreign transaction fees. Requires a BJ's Club membership.
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 3X (Bjs)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World
- Rewards Currency
- BJ's Rewards
- Credit Required
- Good to Excellent
Earning Rates
- 3X
Bjs
3% back in rewards on most eligible purchases at BJ's in-club, BJs.com, or BJ's app
- 1.5X
All Other
1.5% back in rewards on purchases made outside of BJ's, no cap
Earning Scenarios
3% Back at BJ's Wholesale Club
Earn 3% back in rewards on most eligible purchases at BJ's in-club registers, BJs.com, or the BJ's app. Excludes gift cards, gas, alcohol, tobacco, lottery, and membership fees.
Spend $500/month at BJ's on groceries and household items = $15/month = $180/year in BJ's rewards.
1.5% Back Everywhere Mastercard Is Accepted
All purchases outside BJ's earn 1.5% back with no caps, no category restrictions, and no quarterly activation needed.
Spend $1,000/month on non-BJ's purchases = $15/month = $180/year in BJ's rewards.
10¢ Off Per Gallon at BJ's Gas
Instant discount at BJ's Gas stations on top of BJ's already-competitive fuel prices. Gas purchases do not earn rewards points.
Fill up 50 gallons/month at BJ's Gas = $5/month = $60/year in fuel savings.
Benefits & Perks
Insurance & Protections
1 protectionsComprehensive identity theft monitoring
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.3/5 | ||
| Forbes Advisor | 2.2/5 |
How It Compares
Best for BJ's members who shop there regularly. 3% BJ's rate trails the 5% One+ variant, which requires the Club+ membership. 1.5% everywhere else is competitive with flat-rate cards. 10¢/gallon gas discount adds unique value. $0 annual fee makes it risk-free for BJ's shoppers.
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Membership required | You must be a BJ's member to apply for the card. |
Payment Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
Video Reviews
8 videosBJ's One Mastercard by Capital One Review | BJ's One+ Credit Card WORTH IT in 2024?!
BJ's One+ Credit Card by Capital One Review (2024)
BJ's One+ Mastercard by Capital One : Test & Review in 2024
BJ's One+® Mastercard® Review — My Honest Experience Using Capital One's Store Credit Card
My BJ's Perks® Mastercard® Review 2025 | Big Rewards for Warehouse Shopping!
BJ'S One / One+ Mastercard From Capital One Credit Card Review - Watch Before You Apply
BJ's One Mastercard by Capital One Review | Is It Worth It in 2024?
Third-Party Articles & Reviews
Apply Now for the BJ's One™ Mastercard
Official BJ's landing page for the One and One+ Mastercard with detailed rewards breakdown, gas discount terms, and membership tier comparison.
BJ's Credit Card Reviews: Is It Worth It?
Comprehensive review with 3.3/5 rating covering rewards structure, gas discount, and comparison to Costco Anywhere Visa. Includes 379 user reviews and editor's 6-point analysis. Updated February 2026.
5 Things to Know About the BJ's Credit Card
Informational guide covering the BJ's One and One+ Mastercard variants, rewards structure, membership requirements, and how the cards compare to each other and warehouse competitors.
BJ's Perks Elite Mastercard Review
Forbes Advisor review of the BJ's card family with 2.2/5 rating. Notes strong BJ's earning rate but criticizes limited general spending value. Covers the One+ tier primarily.
BJ's One Mastercard: Is Membership Worth the Gas Rewards?
CNET review analyzing whether the BJ's One Mastercard gas rewards and cash back structure justify a BJ's membership. Focuses on gas savings and grocery spending ROI.
Is the BJ's One+ Card Worth It? Reddit Community Discussion
Real cardholder experiences and opinions on the BJ's One+ Mastercard from the BJ's Wholesale Club subreddit. Consensus is positive for regular BJ's shoppers.
BJ's One Mastercard
Credit Karma overview with cardholder data including average credit limits ($6,877) and credit scores (703). Provides real-world approval benchmarks.
BJ's Credit Card Deal: Earn 15% Back on TVs and More
Kiplinger article covering promotional rewards deals on BJ's cards, including the One vs One+ tier breakdown and seasonal earning boosts.
BJ's Credit Cards – Why You Should Think Twice Before Applying
Critical analysis of BJ's credit card program weighing the pros against limitations like high APR, limited redemption options, and restricted rewards ecosystem.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Capital One | — | Capital One |
| WalletHub | — | WalletHub |
| Issuer Page | Issuer Page: Earn rates | |
| Capital One | Capital One | |
| Capital One | — | Capital One |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
