Watch your savings snowball. This card streamlines earning and redeeming on everyday essentials, letting you apply rewards right at checkout. With no annual fee for the card and a practical lineup of perks, it’s a strong companion for families who rely on BJ’s for weekly stock-ups.
Key Perks of the BJ’s One Mastercard
- 3% Back at BJ’s: Earn a steady 3% in rewards on most in-club, BJs.com, and BJ’s app purchases—great for groceries, gadgets, and household restocks.
- 1.5% Back Everywhere Else: Keep earning 1.5% in rewards on purchases outside BJ’s wherever Mastercard is accepted.
- Fuel Savings at BJ’s Gas: Knock 10¢ off per gallon every time you pay at BJ’s Gas with the card.
- $0 Annual Fee: Pay no yearly fee for the card itself (an active BJ’s membership is still required).
- Rewards Don’t Expire: Your earned rewards remain valid for the life of the account.
- No Earning Cap: There’s no maximum on the rewards you can accumulate.
- Easy Redemption: Once you’ve banked $10+ in rewards, redeem in-club, online, or in the app at checkout.
- No Foreign Transaction Fees: Use the card abroad without extra FX charges.
- World Mastercard Extras: Access added benefits—such as a $5 Lyft credit after three monthly rides and ShopRunner membership for free 2-day shipping at select stores.
- Capital One Mobile App: Manage balances, payments, and rewards from anywhere.
- Instant Card Lock: Misplaced your card? Lock it in the app to prevent unauthorized use.
- Tap-to-Pay: Speedy, secure contactless checkouts wherever it’s accepted.
Eligibility — Who Can Apply
- BJ’s Membership: Requires an active “The Club Card” membership (currently $55/year).
- Credit Profile: Best for applicants with good to excellent credit (about 670+ FICO).
- Age: Must be 18 or older.
- Residency: U.S. resident with a valid U.S. address.
- Identification: A valid Social Security Number (SSN) is required.
Application Steps
- Confirm Membership: Ensure you hold an active BJ’s “The Club Card.”
- Apply Online or In-Club: Submit at BJs.com or visit Member Services at your local club.
- Try Pre-Approval (Recommended): Use the soft-pull check to gauge odds without affecting your credit score.
- Complete the Form: Provide personal, contact, and financial details in the secure application.
- Review & Submit: Read the rates/fees disclosures, then submit.
- Get a Decision: Issuer (Capital One) typically returns decisions within minutes.
Frequently Asked Questions
1) How does BJ’s One differ from BJ’s One+?
- BJ’s One Mastercard: Requires “The Club Card” ($55/yr). Earn 3% at BJ’s, 1.5% elsewhere, and 10¢/gal off at BJ’s Gas.
- BJ’s One+ Mastercard: Requires “The Club+ Card” ($110/yr). Earn 5% at BJ’s, 2% elsewhere, and 15¢/gal off at BJ’s Gas.
2) Is there an annual fee for the card?
The credit card has a $0 annual fee, but you must maintain a paid BJ’s membership to open and keep the card and its benefits.
3) How do redemptions work?
Redeem in $10 increments at checkout in-club, online, or in the app. Rewards apply directly to your purchase total.4) Do all BJ’s purchases earn 3%?
Some categories are excluded from the 3% rate—commonly gasoline, propane, gift cards, lottery, alcohol, and tobacco. Check current terms for the full list.
