BJ's One+™ Mastercard® Review

Overview

The BJ's One+ Mastercard is a warehouse-club co-brand built around BJ's Wholesale, with a strong 5% back at BJ's and solid gas earning. It requires a BJ's membership and carries a $110 fee, so it is really a card for dedicated BJ's shoppers who spend enough there to make the numbers work.

If BJ's is your main grocery and gas stop, the 5% can add up, but outside the club the card is unremarkable.

Our 5.9 out of 10 rating

Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.

Rewards: how it earns

You earn 5% back at BJ's and strong rates on gas, with more modest rates elsewhere. The 5% at BJ's is the draw and can be significant for a heavy club shopper, but away from BJ's the earning is ordinary, and you need a membership to hold the card.

Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.

Pros and cons

The welcome bonus

There is no meaningful welcome bonus, which is a downside next to cards that offer cash up front. The value is in the ongoing 5% at BJ's, not a sign-up reward.

Is it worth the annual fee?

The $110 fee, on top of a required BJ's membership, means you need to spend a lot at BJ's for the 5% to outweigh the cost. For a heavy BJ's shopper it can work; for anyone else, it does not.

First-year value vs ongoing value

There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $563 a year on typical spending after the fee. What you see is what you get from day one.

*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.

Benefits and protections

Beyond the rewards, the perks and protections worth knowing about include:

• 15 cents off per gallon at BJ's Gas when you pay with the card
• Rewards redeem toward BJ's purchases and never expire
• 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

Statement credits

This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.

Who should get it, and who should skip it

If you do a large share of your shopping at BJ's, the 5% back can justify the fee and membership, this is a card for committed club shoppers.

If you do not shop at BJ's regularly, the fee and membership requirement make it a poor fit, and a broader cash-back card is smarter. This is strictly a BJ's loyalist card.

Frequently asked questions

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