The Capital One Venture X Rewards edges out the BJ's One+ Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 10x vs 5x). The BJ's One+ Mastercard is the better choice if you want no or lower annual fee.
BJ's One+ Mastercard vs Capital One Venture X Rewards
Get the clearer winner first, see the specific exception case, and only personalize further if the decision is genuinely close.
Capital One Venture X Rewards is the better choice for most people.
Capital One Venture X Rewards wins the measurable comparison on this page. Choose BJ's One+ Mastercard only if best if you want to keep annual cost lower..
Best if your main priority is the larger current welcome offer.
Review Capital One Venture X RewardsWhy we picked this winner
- Capital One Venture X Rewards wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Capital One Venture X Rewards reaches 10x; BJ's One+ Mastercard reaches 5x.
- Annual fee: Capital One Venture X Rewards is $395/yr; BJ's One+ Mastercard is no annual fee.
- Current public bonus values are approximately $0 and $750.
High-confidence recommendation
The winner has a clear edge in multiple measurable categories, so most readers do not need a deeper personalization step before acting.
Which Card Comes Out Ahead?
Capital One Venture X 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 your main priority is the larger current welcome offer.
Why you can trust this answer
CardCurator compares measurable card economics first, then uses deeper rewards intelligence from program data, transfer partners, award charts, and live bonuses when a decision depends on the ecosystem behind the card rather than the card headline alone.
Personalize this answer without sharing sensitive data
Start with a few signals that usually decide close matchups: rough monthly spend, your top category, annual-fee tolerance, and whether you already hold either card.
This step is meant to break close ties without asking for uploads, account creation, or exact spending data.
Capital One Venture X Rewards
Assumptions: default assumptions
Capital One Venture X Rewards still comes out ahead after a light personalization pass, which suggests the recommendation is fairly robust.
- most purchases at BJ's 5x
- All Other Purchases 2x
- Hotels (Capital One Travel) 10x
- Rental Cars (Capital One Travel) 10x
- Flights (Capital One Travel) 5x
- Annual Travel Credit $300
- Global Entry/TSA PreCheck Credit $120
- 15 cents off/gallon at BJ's gas
- Capital One Lounge Access
- Priority Pass Select
- 10,000 Anniversary Bonus Miles
- +2 more
- Cathay Pacific Asia Miles
- Wyndham Rewards
- Asiana Club
- Emirates Skywards
- Turkish Miles&Smiles
- +15 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Capital One Venture X Rewards edges out the BJ's One+ Mastercard for most cardholders — it wins on 3 of 4 comparison categories and offers 75,000 pts signup bonus earns more (up to 10x vs 5x). The BJ's One+ Mastercard is the better choice if you want no or lower annual fee. On raw upside, Capital One Venture X Rewards tops out at 10x versus 5x for BJ's One+ Mastercard. Current signup bonus values are roughly $0 for BJ's One+ Mastercard and $750 for Capital One Venture X Rewards. Summary generated July 26, 2026. Source: https://cardcurator.ai/compare/bj-s-one-mastercard-vs-capital-one-venture-x-rewards
- Capital One Venture X Rewards wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Capital One Venture X Rewards reaches 10x; BJ's One+ Mastercard reaches 5x.
- Annual fee: Capital One Venture X Rewards is $395/yr; BJ's One+ Mastercard is no annual fee.
- Current public bonus values are approximately $0 and $750.
Common Questions: BJ's One+ Mastercard vs Capital One Venture X Rewards
Is the BJ's One+ Mastercard or Capital One Venture X 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. Capital One Venture X Rewards offers 75,000 pts signup bonus (spend $4,000 in 3 months). Capital One Venture X 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 Venture X 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.