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CardCurator — Rewards Intelligence
Card Comparison

BJ's One Mastercard vs Capital One Spark Cash Plus

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

BJ's One Mastercard card art
BJ's Rewards
BJ's One Mastercard
Capital One
More Info
Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Annual Fee
No annual fee
$150/yr
Foreign Fees
None
None
Signup Bonus
$30 credit
Spend $30 in 1 months
200,000 points
Spend $30,000 in 3 months
Top Earn Rates
  • most purchase at BJ's 3x
  • All Other Purchases 1.5x
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
Reward Type
cashback
cashback
Key Credits
None
None
Card Perks
  • 10 cents off/gallon at BJ's gas
None listed
Transfer Partners
Cash back only
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
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Common Questions: BJ's One Mastercard vs Capital One Spark Cash Plus

Is the BJ's One Mastercard or Capital One Spark Cash Plus 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 $30 signup bonus (spend $30 in 1 months). Capital One Spark Cash Plus offers 200,000 pts signup bonus (spend $30,000 in 3 months). Capital One Spark Cash Plus 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 Spark Cash Plus?

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.