BJ's One Mastercard
Issued by Capital One
Earning Categories
Current Welcome Bonus
Earn $30 in rewards when you spend $30 within 30 days of account opening
Year 1 net value: +$0.3 (bonus − annual fee)
Card Perks
Maximize Your BJ's Rewards Points
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.
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