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BJ's One+™ Mastercard®
Capital One

BJ's One+™ Mastercard®

A $110-a-year cash back card from Capital One.

Cash back only
Annual fee
$110/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Good (670+)
Network
Mastercard
Foreign transaction fee
None
Apply on Capital One site5.9/10Our rating · review ›

Rates, fees, and full terms are set by Capital One and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: Capital One application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on wholesale clubs.

⚠ Think twice if

you will not use enough of its perks and credits to cover the $110 annual fee.

Earning rates

5% cash back on eligible BJ's purchases in-club, on BJs.com, and in the app (requires the BJ's Club+ membership tier)
2% cash back everywhere else Mastercard is accepted
Rewards redeem toward BJ's purchases and never expire

Best ways to earn & redeem

Put your wholesale clubs spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its wholesale clubs rate is among the stronger ones you will find in that category.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

15 cents off per gallon at BJ's Gas when you pay with the card
Requires an active BJ's membership; the Club+ tier costs $110 per year
The $110 annual fee reflects the required BJ's Club+ membership; the card has no separate fee, and there are no foreign transaction fees

Alternatives to the BJ's One+™ Mastercard®

Pairs well with

The BJ's One+™ Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

Learn more

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the BJ's One+™ Mastercard® lands.

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