The BJ’s One Mastercard offers a powerful mix of benefits tailored to BJ’s members, designed to enhance both club purchases and daily expenses. It’s more than a store card—it’s a tool that maximizes return on every dollar you spend.
From groceries and bulk items to everyday spending and fuel discounts, this card delivers valuable rewards—and it’s easy to use and manage. Read on to discover how you can boost your shopping experience and stretch your budget further.
BJ’s One+ Mastercard Benefits
- Boosted Rewards on BJ’s Purchases: With the BJ’s One Mastercard, you receive 3% cash back on purchases made at BJ’s warehouse, online, or via the mobile app. Club+ members automatically upgrade to the BJ’s One+ card and enjoy a generous 5% return on those same purchases. This elevated earning rate ensures you get immediate value for bulk buys, household staples, and frequent BJ’s shopping—without worrying about category tracking or complex rules.
- Solid Cashback on Everyday Purchases: Everywhere Mastercard is accepted, the BJ’s One card earns 1.5% back. If you’re using the One+ version, that rate increases to 2% on routine purchases like dining, gas, and retail. It’s a straightforward way to build rewards on everyday expenses, offering consistency without seasonal limitations or activation requirements.
- Fuel Savings at BJ’s Gas: Use the card at BJ’s Gas and save $0.10 per gallon. BJ’s One+ users enjoy a higher discount of $0.15 per gallon. For drivers who fill up weekly, the savings compound quickly—delivering meaningful cost reductions without extra effort.
- Rewards That Won’t Disappear: There’s no expiration date on your cashback earnings, meaning you can redeem whenever it suits you. Whether saving for a large purchase or using in small chunks, your rewards remain available and safe from restrictions.
- Redeemable with Ease: Cash back can be applied in $10 increments directly at BJ’s in-club registers, online checkout, or through the mobile app. This accessibility ensures your earnings are always within reach and ready to use in whatever way is most convenient.
- Powerful App Features: Access your account from the Capital One mobile app to view transactions, check balances, pay bills, and manage settings. With features like card lock, payment scheduling, and real-time alerts, you’re always in control and informed.
- Enhanced Security Controls: The card offers built-in fraud monitoring, customizable alerts, and the ability to freeze your account instantly. This helps reduce fraud risk and gives peace of mind whether you shop locally or travel.
- Unlimited Cash Back Potential: There’s no cap on how much you can earn—enjoy the full cash back rates of 3% or 5% at BJ’s and 1.5% or 2% elsewhere. This makes the card ideal for individuals who consistently spend large monthly amounts and want to maximize rewards.
- Competitive APR Structure: The variable APR ranges from 19.24% to 29.24%, depending on your creditworthiness and the current prime rate. This range aligns with typical reward credit cards and emphasizes paying in full to avoid interest charges.
Qualification Requirements
- BJ’s Membership Mandatory: Applicants must hold an active BJ’s Club or Club+ membership to apply and qualify. The membership level also affects which card version you can access.
- Credit Score Expectations: A good to excellent credit rating is generally required, with lenders reviewing payment history and overall credit health.
- Minimum Age Threshold: You must be 18 or older and legally capable of entering a credit agreement in the United States.
- U.S.-Based Eligibility: The card is available only to U.S. citizens or permanent residents with a valid U.S. mailing address.
- Income or Housing Expense Disclosure: The application requires information about your income or monthly housing costs to determine repayment capacity.
- Clean Credit Profile: Recent bankruptcies, charge-offs, or significant delinquencies may reduce your chances of approval.
How to Apply for The BJ’s One+ Mastercard
- Check Your BJ’s Membership Status: Ensure your Club or Club+ membership is current—this is a prerequisite for application.
- Collect Necessary Personal Details: Prepare your Social Security number, date of birth, address, and income or housing payment info.
- Visit Capital One’s BJ’s Card Page: Navigate to the official Capital One site, find the BJ’s card section, and select your preferred version.
- Fill Out the Online Application: Enter your personal and financial details accurately—completion usually takes just a few minutes.
- Review Terms Carefully: Read through the APR, rewards structure, and other conditions before submitting your application.
- Submit and Check Approval Status: After submission, most applicants receive instant approval. Accepted users get access to a virtual card in the app right away.
Frequently Asked Questions
Do I need BJ’s membership to apply?
Yes. Only active BJ’s Club or Club+ members are eligible to apply for and use this card.
What credit score do I need?
A good to excellent score improves your chances of approval, as Capital One will evaluate your full credit history.
Is there a limit on cashback earnings?
No. There’s no maximum earning limit—you’ll continue to receive the full cashback rate regardless of spending volume.
How do I redeem my rewards?
Rewards can be redeemed in $10 increments in-store, online, or through the BJ’s mobile app—whenever you choose.
