BJ’s One+ Mastercard Credit Card Review

The BJ’s One+ Mastercard is specifically designed for dedicated BJ's shoppers who want to maximize their benefits every time they shop.

The BJ’s One+ Mastercard is more than just a store card; it’s a powerful tool to get the most value out of your Club+ membership, offering high reward rates on BJ’s purchases and competitive earnings everywhere else. Prepare to elevate your BJ’s shopping game and watch those rewards roll in!

CREDIT CARD

BJ’s One+ Mastercard

5% cash back No annual fee

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Benefits with the BJ’s One+ Mastercard

1. Earn 5% Back in Rewards on Most BJ’s Purchases: This is a showstopper! As a BJ’s One+ Mastercard holder with an active Club+ Card Membership, you earn a fantastic 5% back in rewards on eligible purchases made at BJ’s, both in-club and on BJs.com. Talk about maximizing your savings on groceries, electronics, and more!
2. Save 15¢ Off Per Gallon at BJ’s Gas: Fuel up and save big! Every time you use your BJ’s One+ Mastercard to pay for fuel at BJ’s Gas and scan your membership card, you get an instant discount of 15 cents off each gallon. Those savings add up quickly!
3. Earn 2% Back in Rewards Everywhere Else Mastercard is Accepted: Your earning power isn’t limited to BJ’s! You’ll also earn a solid 2% back in rewards on all other purchases made outside of BJ’s. It’s a great everyday earner!
4. No Annual Fee for the Card: That’s right, the card itself has no annual fee. 
5. Rewards Never Expire: Your hard-earned rewards are yours for the life of your active account and BJ’s membership. No need to rush to use them!
6. No Cap on Rewards Earnings: Keep earning without limits! There’s no cap on the total amount of rewards you can accumulate. The more you spend responsibly, the more you earn.
7. Redeem Rewards Easily at BJ’s: When you’ve accumulated at least $10 in rewards, you can easily redeem them in $10 increments towards your purchases at BJ’s checkout, both in-store and online at BJs.com, or even towards your BJ’s membership fees.
8. No Foreign Transaction Fees: Travel internationally without worry! This card doesn’t charge foreign transaction fees on purchases made outside the United States, making it a great companion for your trips.
9. World Mastercard Benefits: As a World Mastercard, you get access to a suite of additional perks which can include things like $5 Lyft credit after three rides in a month, complimentary ShopRunner membership for free 2-day shipping at select retailers, and access to Mastercard ID Theft Protection.
10. Access to Special Bonus Offers: From time to time, BJ’s may offer special promotions for cardholders to earn even more bonus rewards on specific purchases or during certain periods. Keep an eye out for those extra savings opportunities!

Who Can Apply?

To apply for the BJ’s One+ Mastercard, you generally need to meet the following criteria:

• BJ’s Club+ Card Membership: You must have an active BJ’s Club+ Card Membership (which currently costs $110 per year, though this fee can change). The card tier you are eligible for (BJ’s One Mastercard or BJ’s One+ Mastercard) depends on your BJ’s membership level.
• Age: Be at least 18 years old.
• Identification: Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Creditworthiness: Have good to excellent credit. Capital One will evaluate your credit history, income, and other factors to determine eligibility.
• U.S. Resident: Typically, you must be a U.S. resident with a U.S. mailing address.

How to Apply?

Ready to start earning those rewards? Here’s how you can generally apply:

1. Ensure You Have a BJ’s Club+ Card Membership: If you don’t already have one, you’ll need to sign up for a BJ’s Club+ Card Membership first.
2. Visit the BJ’s Website or a Local Club: You can usually find application information on the BJ’s website or by visiting the Member Services desk at any BJ’s Wholesale Club.
3. Complete the Application: Fill out the application form with your personal, financial, and BJ’s membership information.
4. Review Terms and Submit: Carefully review the card’s terms and conditions, including rates and fees, before submitting your application.
5. Await a Decision: Capital One will process your application. You may receive an instant decision, or it might take a few business days.

Frequently Asked Questions

1. What’s the main difference between the BJ’s One+ Mastercard and the BJ’s One Mastercard? The main differences are tied to your BJ’s membership level and the rewards you earn.
2. Is there an annual fee for the BJ’s One+ Mastercard? The card itself does not have an annual fee. However, to be eligible for and to maintain the benefits of the BJ’s One+ Mastercard, you must have an active BJ’s Club+ Card Membership, which has an annual fee.
3. How do I redeem my rewards? You can redeem your accumulated rewards in $10 increments at BJ’s checkout when making purchases in-club, on BJs.com, or through the BJ’s app. Rewards can also be used towards BJ’s membership fees.
4. Do my rewards expire? No, your rewards do not expire as long as your credit card account remains open and in good standing, and your BJ’s membership remains active.

CREDIT CARD

BJ’s One+ Mastercard

5% cash back No annual fee

APPLY NOW You will be redirected