The BJ’s One+ Mastercard brings your BJ’s membership to life by offering attractive rewards on in-club purchases and daily expenses. It’s designed for busy individuals and families who want consistent value without overthinking categories.
With perks like fuel discounts, unlimited cashback, and a robust app experience, this card balances simplicity and utility. Keep reading to discover why it’s a smart choice for BJ’s loyal shoppers.
BJ’s One+ Mastercard Benefits
- Enhanced Earnings at BJ’s: With BJ’s One card, you earn 3% cash back when shopping in-club, online, or via the BJ’s app. If you hold a Club+ membership, you automatically qualify for the BJ’s One+ card and earn 5% back on those same purchases. It’s a strong incentive for committed BJ’s shoppers: no rotating categories, just straight returns on everyday items like groceries and household essentials.
- Reliable Cash Back Beyond BJ’s: Use the card outside of BJ’s and you’ll earn 1.5% back everywhere Mastercard is accepted. Upgrading to BJ’s One+ gives you a 2% return across all non-BJ’s purchases. Whether it’s dining out, filling up, or shopping online, this steady cashback rate simplifies reward tracking and boosts value throughout the month.
- Savings at the Pump: Paying with this card at BJ’s Gas gives you $0.10 off per gallon. With the One+ version, you save $0.15 per gallon—fuel discounts that add up over time. This perk turns everyday driving into easy savings, especially valuable for families or regular commuters.
- Rewards That Don’t Expire: Your cashback never expires, allowing rewards to accumulate until you’re ready to redeem. You’re free to cash out in small increments or save up for bigger redemptions—either way, your earnings remain available.
- Simple, Versatile Redemption: You can redeem in $10 increments online, in-club, or via the app. It’s a seamless process that lets your rewards feel like real money whenever you shop.
- Packed Mobile Management: With the Capital One app, you can lock your card, set alerts, view transactions, and pay bills easily. These tools offer visibility and control wherever you are. Mobile integration makes managing your account effortless and secure.
- Strong Security Features: Real-time fraud alerts, custom notifications, and card freeze options help protect your account . You can react instantly if something seems off—ensuring your finances stay secure.
- Uncapped Rewards Potential: There’s no maximum on cashback earnings—you’ll always get the full 3%/5% at BJ’s and 1.5%/2% elsewhere. This means high soenders and frequent BJ’s users can maximize rewards without limit.
- Transparent APR Terms: The card features a variable purchase APR between 19.24% and 29.24% based on creditworthiness. Although designed for customers who pay balances monthly, the range is fair and clear.
Qualification Requirements
- Active BJ’s Membership: You must have a current Club or Club+ membership.
- Good to Excellent Credit: Capital One generally looks for good (620+) credit for approval.
- Minimum Age 18: You must be at least 18 and legally able to sign credit agreements in the U.S.
- U.S. Resident Status: Applicants must be U.S. citizens or permanent residents with a domestic address.
- Income or Housing Info: You’ll need to provide annual income or monthly housing payment details.
- Clean Credit History: Recent bankruptcies or major delinquencies may hurt approval chances.
How to Apply
- Confirm BJ’s Membership: Club or Club+ membership is required before application.
- Gather Your Documents: Have your SSN, address, income, and date of birth ready.
- Visit Capital One Online: Go to the BJ’s card page and select the One or One+ card.
- Complete the Form: Fill in personal and financial details accurately—typically takes minutes.
- Review Key Terms: Check APR, reward structure, and redemption options before submission.
- Submit & Get Instant Decision: Most applicants receive immediate approval and can access a virtual card via the app.
Frequently Asked Questions
Can I apply without BJ’s membership?
No—you must have an active BJ’s Club or Club+ membership to be eligible.
Is there a limit on cashback earnings?
No. Rewards are uncapped both at BJ’s and on everyday spending.
Do rewards expire?
No—the cashback you earn remains available until you decide to redeem it .
How do I redeem my rewards?
Redemptions start at $10 and can be applied online, in-app, or at the register.
