BJ's Rewards MastercardBJ's One+ Mastercard
Issued by Capital One
Reviewed by the CardCurator Editorial Team
Before you apply
Use this quick check so you click out only when the offer and fee structure really fit.
- Best fit: strongest ongoing earning is 5x on most purchases at BJ's.
- Annual fee: No annual fee.
- Who should skip: people chasing premium perks, lounge access, or outsized transfer-partner upside.
- What happens next: you will leave CardCurator for the issuer or partner application page in a new tab.
Confirm current issuer terms and approval rules before you submit an application.
Earning Categories
Current Welcome Bonus
Earn $40 in rewards upon card approval and activation
Year 1 net value: +$0.4 (bonus − annual fee)
Card Perks
Maximize Your BJ's Rewards Points
Expert tips to get the most value from this program
Program Overview
BJ's Rewards is the loyalty program for BJ's Wholesale Club members, with a co-branded credit card issued by Capital One. The BJ's One Mastercard earns 5% back on BJ's purchases, 3% on dining out and groceries outside of BJ's, and 1.5% on all other purchases. Rewards redeem as BJ's Cash (applied toward BJ's purchases). BJ's is a Northeast US warehouse club (similar to Costco/Sam's Club). Membership required. Best for: BJ's members in the Northeast US who want to maximize cashback on warehouse club spending.
Earning Tips
BJ's One Mastercard: - 5% back at BJ's Wholesale Club - 3% on dining and non-BJ's grocery purchases - 1.5% on all other purchases - No annual credit card fee (BJ's membership required) BJ's One+ Mastercard (with BJ's One+ membership upgrade): - 5% back at BJ's - Same other category rates Tips: - 5% at BJ's competes with Costco (2% from membership + 2% Visa = 4% total) for warehouse cashback - Use BJ's One for dining and groceries at 3% if you don't have a dedicated dining card
Redemption Tips
BJ's Cash redeems in-store at BJ's Wholesale Club locations. Rewards are applied automatically toward purchases — no redemption portal needed. No cash-out or statement credit options; must be spent at BJ's.
Compare This Card
See how the BJ's One+ Mastercard stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the BJ's One+ Mastercard?
- The BJ's One+ Mastercard has no annual fee.
- What is the best category to use the BJ's One+ Mastercard for?
- The BJ's One+ Mastercard earns 5x on most purchases at BJ's, making it the strongest earning category for this card.
- What is the BJ's One+ Mastercard welcome bonus in 2026?
- The BJ's One+ Mastercard currently offers a welcome bonus of $40 statement credit.
- Does the BJ's One+ Mastercard charge foreign transaction fees?
- No, the BJ's One+ Mastercard does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are BJ's Rewards points worth?
- BJ's Rewards points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Ready to Get the BJ's One+ Mastercard?
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