The BJ’s One Mastercard is thoughtfully built to enhance your BJ’s club membership by delivering smart rewards and reliable savings. Easy to use and impactful in value, this card offers both focused perks at BJ’s and universal benefits elsewhere.
With features like fuel discounts, uncapped cashback, and robust digital tools, it brings clarity and convenience. Dive in to explore how this card gives more on every purchase.
BJ’s One Mastercard Benefits
- Elevated BJ’s Rewards: Earn 3% back on BJ’s purchases in-club, online, or via the app—and 5% with the One+ (Club+) version. This means common essentials like groceries or bulk items now return real value with every swipe.
- Cashback Everywhere Else: Outside BJ’s, the card earns 1.5% back—or 2% with One+—on all Mastercard transactions. That’s steady rewards on dining, gas, shopping—without tracking rotating categories.
- Fuel Discounts at BJ’s Gas: Get $0.10 off per gallon at BJ’s Gas with the base card, or $0.15 with One+. Ideal for frequent drivers, these savings compound over time with regular fill-ups.
- Never-Ending Rewards: Rewards earned never expire, meaning you can save and redeem when the time is right. That flexibility removes pressure and maximizes freedom.
- Easy, $10 Redemption: Redeem in just $10 increments at checkout, online, or via the app. It turns earned cashback into usable savings with minimal effort.
- Robust Mobile Features: Capital One’s app enables transaction tracking, card locking, autopay, and instant fraud alerts. Stay secure and in control, from anywhere.
- Peace-of-Mind Security: With real-time alerts and card-freeze options, you can safeguard your account immediately. It’s an added layer of protection for your everyday spending.
- Unlimited Earning Structure: There’s no cap on the cash back you can earn—3–5% at BJ’s and 1.5–2% elsewhere remain consistent. Frequent shoppers benefit most from this flexible earning potential.
- Clear APR Terms: The variable APR ranges from 19.24% to 29.24%, determined by credit profile and prime rate. While not ideal for balances, it’s standard for a rewards card.
Qualification Requirements
- BJ’s Membership Required: You must be an active Club or Club+ member to qualify.
- Strong Credit Profile: Good to excellent credit generally improves approval odds.
- U.S. Residency & Age: Applicants must be at least 18 and U.S. citizens or permanent residents.
- Income or Housing Info: Provide income or housing expense details during application.
- Positive Credit History: Recent serious delinquencies or bankruptcies may hurt approval chances.
How to Apply for The BJ’s One+ Mastercard
- Confirm Membership: Ensure your BJ’s Club or Club+ membership is active before applying.
- Collect Documentation: Have your SSN, address, DOB, and income/housing info ready.
- Visit Capital One’s Site: Navigate to BJ’s One card page and pick between the base or One+ version.
- Complete the Application: Fill out the form accurately—most responses are instant.
- Review Disclosures: Read APR, rewards details, and card terms before submission.
- Submit and Activate: Get immediate approval and start using your virtual card via the app.
Frequently Asked Questions
Is a BJ’s membership necessary?
Yes—you must have an active BJ’s Club or Club+ membership to apply.
What’s the minimum credit needed?
A good to excellent credit score typically improves chances—Capital One reviews overall creditworthiness .
Do rewards expire?
No. Rewards are yours for life and never expire.
Any caps on rewards?
There are no earnings caps—the card provides full reward rates without limits.
