BJ's One+™ Mastercard®
5% Back at BJ's, 2% Everywhere Else, $0 Annual Fee
The BJ's One+ Mastercard earns 5% back on BJ's purchases and 2% on everything else with no annual fee, plus 15¢ off per gallon at BJ's Gas. For Club+ members who shop at BJ's regularly, the rewards add up fast.
- Annual Fee
- $0
- Highest rate (conditional)
- Up to 5X (Bjs)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard World Elite
- Rewards Currency
- BJ's Rewards
- Credit Required
- Good to Excellent
Earning Rates
- 5X
Bjs
5% back in rewards on most eligible purchases at BJ's Wholesale Club (in-club, BJs.com, BJ's app)
- 2X
All Other
2% back in rewards on purchases made outside of BJ's, no cap
Earning Scenarios
5% Back at BJ's Wholesale Club
Earn 5% back in rewards on most in-club, online, and app purchases at BJ's. No cap on earnings—rewards accumulate for the life of your account.
2% Back on All Other Purchases
Every purchase outside BJ's earns 2% back wherever Mastercard is accepted. Double the industry-standard 1% base rate.
15¢ Off Per Gallon at BJ's Gas
Instant 15¢ per gallon discount at BJ's Gas stations. At 50 gallons/month, that saves $90 per year.
Benefits & Perks
Insurance & Protections
2 protectionsComprehensive identity theft monitoring
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Zero Fraud Liability
Not responsible for unauthorized transactions—Mastercard zero liability protection.
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 4.2/5 | ||
| Forbes Advisor | 2.2/5 |
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 videosSam's Club vs. Costco vs. BJs Credit Card Review
BJ'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)
Costco, Sam's Club, & BJ's Credit Cards Compared
BJ's One+® Mastercard® Review — My Honest Experience Using Capital One's Store Credit Card
My BJ's Perks® Mastercard® Review 2025
BJ's One Mastercard by Capital One Review | Is It Worth It in 2024?
Third-Party Articles & Reviews
Is BJ's Wholesale Club Worth the Membership Fee? (Pros & Cons)
Comprehensive guide evaluating BJ's membership value including credit card benefits and exclusive discounts.
BJ's One Credit Card Reviews & Info
Unbiased user reviews and detailed information on rates, rewards, and cardholder experiences.
BJ's One+™ Credit Card Reviews: Is It Worth It? (2026)
Comprehensive review giving the card 4.2/5 rating with detailed analysis of fees, rewards, and user reviews.
BJ's Perks Elite MasterCard Review
CreditCards.com highlights the card's 5% cash back as among the best rewards in the retail card category.
BJ's Perks Elite Mastercard Review
Forbes Advisor rates the card 2.2/5, analyzing whether the 5% BJ's rewards justify the $110 Club+ membership requirement.
I'm a BJ's Superfan: Here Are 8 Savings Secrets You Should Know
Insider tips from a BJ's enthusiast on maximizing rewards, including how to stack credit card benefits with membership perks.
5 Things to Know About the BJ's Credit Card
Educational guide covering membership tiers, earning potential, and key features of both BJ's One and One+ cards.
BJ's One Mastercard: Is Membership Worth the Gas Rewards?
CNET analyzes whether the 15¢/gallon gas discount and rewards structure make BJ's membership worthwhile.
BJ's Credit Cards – Why You Should Think Twice Before Applying
Critical analysis comparing BJ's credit cards to alternatives like Bank of America Customized Cash Rewards.
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| 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.
