The Capital One Quicksilver Cash Rewards edges out the BJ's One Mastercard for most cardholders — it wins on 2 of 4 comparison categories and offers 20,000 pts signup bonus earns more (up to 5x vs 3x). The BJ's One Mastercard is the better choice if you prioritize a different rewards ecosystem.
BJ's One Mastercard vs Capital One Quicksilver Cash Rewards
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Which Card Comes Out Ahead?
Capital One Quicksilver Cash Rewards is the stronger all-around option for most people in this matchup because it wins more measurable categories in our scoring model. BJ's One Mastercard still makes sense if your spending pattern lines up better with its fee profile, issuer rules, or rewards ecosystem.
Best if this rewards ecosystem fits the cards and travel programs you already use.
Best if your main priority is the larger current welcome offer.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- most purchase at BJ's 3x
- All Other Purchases 1.5x
- Hotels (Capital One Travel) 5x
- Vacation Rentals (Capital One Travel) 5x
- Rental Cars (Capital One Travel) 5x
- 10 cents off/gallon at BJ's gas
- British Airways Executive Club
- JAL Mileage Bank
- Qatar Avios
- I Prefer Hotel Rewards
- Flying Blue
- +15 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Capital One Quicksilver Cash Rewards edges out the BJ's One Mastercard for most cardholders — it wins on 2 of 4 comparison categories and offers 20,000 pts signup bonus earns more (up to 5x vs 3x). The BJ's One Mastercard is the better choice if you prioritize a different rewards ecosystem. On raw upside, Capital One Quicksilver Cash Rewards tops out at 5x versus 3x for BJ's One Mastercard. Current signup bonus values are roughly $0 for BJ's One Mastercard and $370 for Capital One Quicksilver Cash Rewards. Updated June 4, 2026. Source: https://cardcurator.ai/compare/bj-s-one-mastercard-2-vs-capital-one-quicksilver-cash-rewards
- Capital One Quicksilver Cash Rewards wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Capital One Quicksilver Cash Rewards reaches 5x; BJ's One Mastercard reaches 3x.
- Annual fee: Capital One Quicksilver Cash Rewards is no annual fee; BJ's One Mastercard is no annual fee.
- Current public bonus values are approximately $0 and $370.
Common Questions: BJ's One Mastercard vs Capital One Quicksilver Cash Rewards
Is the BJ's One Mastercard or Capital One Quicksilver Cash Rewards better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
BJ's One Mastercard currently offers $0 signup bonus (spend $30 in 1 months). Capital One Quicksilver Cash Rewards offers 20,000 pts signup bonus (spend $500 in 3 months). Capital One Quicksilver Cash Rewards has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the BJ's One Mastercard and the Capital One Quicksilver Cash Rewards?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Capital One, so check their specific application rules.
Keep Researching
If this matchup is close, the stronger next step is usually to read the full card reviews or use a broader ranking page instead of comparing random pairs one by one.