Skip to main content
CardCurator — Rewards Intelligence
Quick Answer

The BJ's One Mastercard and cashRewards are closely matched. BJ's One Mastercard wins on 1 categories ($0 signup bonus); cashRewards wins on 1 (25,000 pts signup bonus). The better pick depends on your spending patterns.

Card Comparison

BJ's One Mastercard vs cashRewards

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
cashRewards card art
Navy Federal Credit Union
cashRewards
Navy Federal Credit Union
More Info
Annual Fee
No annual fee
No annual fee
Foreign Fees
None
None
Signup Bonus
$30 credit
Spend $30 in 1 months
25,000 points
Spend $2,500 in 3 months
Top Earn Rates
  • most purchase at BJ's 3x
  • All Other Purchases 1.5x
  • All Purchases 1.5x
Reward Type
cashback
cashback
Pts Value
~1.00¢/pt points · industry est.
~1.00¢/pt points · industry est.
Key Credits
None
None
Card Perks
  • 10 cents off/gallon at BJ's gas
None listed
Open full comparison tool Compare more cards

Common Questions: BJ's One Mastercard vs cashRewards

Is the BJ's One Mastercard or cashRewards 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). cashRewards offers 25,000 pts signup bonus (spend $2,500 in 3 months). cashRewards 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 cashRewards?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. BJ's One Mastercard is from Capital One and cashRewards is from Navy Federal Credit Union, so they're governed by separate bank policies.