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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
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
BJ's Rewards
Credit Required
Good to Excellent
Bonus: $40 in rewards
Benefits & Perks
Recurring credits (annual): $126
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 4.2/5 | ||
| Forbes Advisor | 2.2/5 |
Credit Utilization (60%)
Details & Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Highest rate (conditional)
Not responsible for unauthorized transactions—Mastercard zero liability protection.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$75.60
Annual Fee
-$0
Net Annual Value
+$75.60
Comprehensive guide evaluating BJ's membership value including credit card benefits and exclusive discounts.
Unbiased user reviews and detailed information on rates, rewards, and cardholder experiences.
Comprehensive review giving the card 4.2/5 rating with detailed analysis of fees, rewards, and user reviews.
CNET analyzes whether the 15¢/gallon gas discount and rewards structure make BJ's membership worthwhile.
CreditCards.com highlights the card's 5% cash back as among the best rewards in the retail card category.
Forbes Advisor rates the card 2.2/5, analyzing whether the 5% BJ's rewards justify the $110 Club+ membership requirement.
Insider tips from a BJ's enthusiast on maximizing rewards, including how to stack credit card benefits with membership perks.
Educational guide covering membership tiers, earning potential, and key features of both BJ's One and One+ cards.
Critical analysis comparing BJ's credit cards to alternatives like Bank of America Customized Cash Rewards.
| Source | Verified | Citation |
|---|---|---|
| Capital One | — | Capital One |
| WalletHub | — | WalletHub |
| Issuer Page | Issuer Page: Earn rates |
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