BJ’s One Mastercard Review

Earn big on everyday purchases—up to 5% back at BJ’s, plus fuel savings and rewards you can actually use.

The BJ’s One Mastercard isn’t just another store card—it’s a flexible and rewarding tool tailored for BJ’s members who want more from every dollar. Designed for everyday life, this card goes beyond the basics, giving cardholders access to strong rewards and helpful features for both in-club and outside spending.

Whether you’re stocking up for your home or looking for ways to save at the pump, this card offers tangible value and peace of mind. It’s a smart option for those who want to streamline spending while getting rewarded in practical ways.

CREDIT CARD

BJ’s One+ Mastercard

Up to 5% cash back No Annual Fee

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BJ’s One Mastercard Benefits

• High Cashback on BJ’s Purchases: The BJ’s One Mastercard gives you 3% back on purchases made in-club, online, or through the app. If you’re a Club+ member, the BJ’s One+ version boosts that to 5% on the same purchases. It’s a valuable return for those who shop at BJ’s often, turning everyday essentials into meaningful rewards without extra effort.
• Rewards on All Other Spending: Earn 1.5% back everywhere else Mastercard is accepted with the standard card. BJ’s One+ increases this rate to 2% for even more everyday value. This means every grocery run, gas refill, or dinner out can help you earn steady cashback year-round.
• Fuel Discounts at BJ’s Gas: Use your card at BJ’s Gas and save $0.10 per gallon. With BJ’s One+, that savings increases to $0.15 per gallon. These fuel discounts make a real difference over time, especially for frequent drivers or families with multiple vehicles.
• Rewards That Never Expire: Cashback rewards never expire, giving you the flexibility to use them when it works best for you. Whether you redeem immediately or save for later, your earnings stay protected and available.
• Flexible Redemption Options: You can redeem rewards in $10 increments at BJ’s—online, in-club, or via the app. It’s a smooth, accessible process that puts your cashback to work however you shop.
• Powerful Mobile Tools: The Capital One app makes it easy to track spending, pay bills, and manage your card securely. From anywhere, you can lock your card, set alerts, or schedule payments with just a few taps.
• Built-In Security Features: Real-time fraud alerts, customizable settings, and card lock options help keep your account safe. These protections ensure peace of mind whether you’re at home or on the go.
• No Earning Limits: There’s no cap on how much cashback you can earn. You’ll always get the full reward rate based on where and how you spend. It’s perfect for high-volume shoppers who want to maximize returns without restrictions.
• Competitive Credit Terms: With a variable APR ranging from 19.24% to 29.24%, terms are based on creditworthiness. This structure keeps things transparent while offering flexibility to qualified applicants.

Qualification Requirements

• Active BJ’s Membership: Applicants must have an active BJ’s Club or Club+ membership to apply. Your membership tier may also determine which version of the card you qualify for.
• Sufficient Credit History: A good to excellent credit score is usually required. Applicants should demonstrate responsible use of credit and timely payments.
• Age Eligibility: You must be at least 18 years old and legally able to enter into a credit agreement in the United States.
• Residency Status: Only U.S. citizens and permanent residents with a valid U.S. address are eligible to apply for the card.
• Proof of Income: Applicants must provide details about their income, employment, or housing expenses to assess repayment ability.
• No Recent Major Delinquencies: Those with recent bankruptcies, charge-offs, or accounts in bad standing may not be approved.

How to Apply for the BJ’s One Mastercard

1. Verify Membership: Before applying, confirm that your BJ’s membership is active and up to date. This is required for card eligibility.
2. Prepare Your Documents: Gather your personal information such as Social Security number, home address, and income details.
3. Go to the Official Website: Visit the BJ’s credit card section on Capital One’s website and select the appropriate version of the card.
4. Complete the Online Application: Fill out the application form, entering all requested information accurately. This typically takes only a few minutes.
5. Review Key Terms: Before submitting, make sure to carefully review the terms including the APR and redemption options.
6. Submit and Await a Decision: Most applicants receive a decision within moments. If approved, you may gain immediate access to a virtual card through the app.
   

Frequently Asked Questions

Can I apply without a BJ’s membership?
No. You must be an active BJ’s Club or Club+ member to apply for and use this card.

Do I need excellent credit to qualify?
A good to excellent credit score increases your chances of approval. Capital One typically evaluates your full credit profile.

Is there a limit to how much cashback I can earn?
No. There is no cap on rewards—earn unlimited cashback based on your card tier and where you shop.

How can I use my rewards?
Rewards can be redeemed in $10 increments online, in-store, or through the BJ’s mobile app.

CREDIT CARD

BJ’s One+ Mastercard

Up to 5% cash back No Annual Fee

APPLY NOW You will be redirected