Card Comparison
BJ's One+ Mastercard vs United Club℠ Infinite Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
$695/yr
Foreign Fees
None
None
Signup Bonus
$40 credit
90,000 points
Spend $5,000 in 3 months
Top Earn Rates
- most purchases at BJ's 5x
- All Other Purchases 2x
- United Purchases 4x
- Dining 2x
- Hotel Stays 2x
Reward Type
cashback
miles
Key Credits
None
- Global Entry/TSA PreCheck Credit $120
- IHG Rewards Credit $120
Card Perks
- 15 cents off/gallon at BJ's gas
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
Transfer Partners
Cash back only
No transfer partners
Common Questions: BJ's One+ Mastercard vs United Club℠ Infinite Card
Is the BJ's One+ Mastercard or United Club℠ Infinite Card better for dining?
BJ's One+ Mastercard has no dining bonus; United Club℠ Infinite Card earns 2x on dining.
Which has the higher signup bonus in 2026?
BJ's One+ Mastercard currently offers $0 signup bonus. United Club℠ Infinite Card offers 90,000 pts signup bonus (spend $5,000 in 3 months). United Club℠ Infinite Card 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 United Club℠ Infinite Card?
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 United Club℠ Infinite Card is from Chase, so they're governed by separate bank policies.