BJ’s One Mastercard Review

Earn 3% back at BJ’s & get fuel discounts—plus 1.5% on other purchases, no yearly fee.

If you’re a BJ’s Wholesale Club member and looking for a card that aligns with where you already shop, the BJ’s One Mastercard is purpose-built for you. It offers boosted rewards on BJ’s purchases while still giving you value on everyday spending.

This card simplifies rewards with no rotating categories, and pairs them with fuel perks and flexibility. For people who frequently shop at BJ’s, it can deliver real value—without the burden of an annual fee.

Unlock Your BJ’s One Edge

Positive Highlights of the BJ’s One Mastercard

1. 3% back on BJ’s purchases
You earn 3% rewards on eligible goods and services bought in-club, or via BJ’s website or app—minus returns or redeemed rewards. This rate applies to a wide set of purchases at BJ’s, giving you a strong boost where you already spend.

2. 1.5% back on all other purchases
All other non-BJ’s purchases earn 1.5% back, giving the card steady value even when you’re shopping elsewhere. You’re not locked into narrow categories—you still get a useful return on general spending.

3. Fuel discount at BJ’s Gas
When you use the card to pay for fuel at BJ’s Gas, you receive a discount per gallon: 10¢ off with BJ’s One or 15¢ off with BJ’s One+. This makes regular fuel purchases a bit more economical, especially if you already fuel up at BJ’s stations.

4. No cap and non-expiring rewards
There’s no limit to how many points you can earn, and rewards don’t expire as long as your account remains open in good standing. This gives you freedom to let your rewards accumulate until you want to redeem them.

5. No annual fee
You won’t be charged annually just to keep the card. That means you can benefit from rewards without worrying about offsetting a yearly cost. It enhances the card’s appeal for long-term use.

6. Redeemable rewards from low balance
You only need a minimum of $10 in rewards to redeem—so you don’t have to wait forever to use what you’ve earned. That gives more flexibility and usefulness to everyday reward accumulation.

7. No rotating bonus categories to manage
You don’t need to activate or switch categories. Your 3% and 1.5% rates are consistent and automatic. This simplicity makes it easier to track your returns without juggling bonus rules.

8. Flexible everyday use
Even though the card is tailored for BJ’s shoppers, it works anywhere Mastercard is accepted, so you can use it for all your other expenses and still earn on them. So the card stays useful even when you’re shopping outside BJ’s.

9. Fuel discount doesn’t reduce reward earning
Although BJ’s Gas purchases don’t themselves earn rewards, you still benefit by paying less per gallon—separately from the rewards program. This dual benefit adds extra value to using the card for fuel at BJ’s stations.

Qualification Requirements

• You must be 18 years or older and have a valid Social Security Number for U.S. credit approval.
  
• You must be a BJ’s member (active membership) to apply for the BJ’s One Mastercard.
  
• You need to demonstrate sufficient income or financial stability to manage payments and credit obligations.
  
• Applicants must have a credit history (good to fair) that supports approval under Capital One’s underwriting process.
  
• You must reside in a U.S. state where Capital One issues this card.
  
• No prior adverse account history with BJ’s or Capital One (such as charged-off BJ’s cards) that would disqualify you.
  

How to Apply for the BJ’s One Mastercard

1. Visit the Capital One or BJ’s application page
   Access the BJ’s One Mastercard page and review the full terms and benefits.
   
2. Enter personal and financial information
   Provide name, address, Social Security Number, date of birth, and income details.
   
3. Confirm BJ’s membership
   Active membership is mandatory, and your number must be included in the application.
   
4. Review and accept terms and disclosures
   Check the APR, late payment fees, foreign transaction fees, and reward rules before agreeing.
   
5. Submit your application for review
   Capital One evaluates your credit history and income to determine approval and set your credit limit.
   
6. Start using the card wisely
   Make purchases at BJ’s and elsewhere, keep balances low, pay on time, and redeem rewards once you have at least $10.
   

Frequently Asked Questions

1. Do I need to be a BJ’s member to get this card?
Yes. Only BJ’s members are eligible to apply for and hold the BJ’s One Mastercard.

2. Can I earn unlimited rewards with this card?
Yes. There is no cap on the amount of rewards you can earn, and they do not expire while your account is in good standing.

3. Do fuel purchases at BJ’s Gas earn rewards?
Fuel purchases do not earn rewards, but you get a direct discount per gallon when you pay with the card.

4. What happens if I carry a balance?
You’ll pay interest at the variable APR. To maximize the value of your rewards, it’s best to pay off your balance in full every month.