Issued by Capital One, it delivers enhanced benefits designed to give top-tier members more value on everyday purchases, fuel, and beyond.
This card takes BJ’s loyalty to the next level, transforming both in-club and outside purchases into steady, ongoing savings.
Why the BJ’s One+ Mastercard Stands Out
5% Back on BJ’s Purchases
Earn an impressive 5% in rewards on most items bought at BJ’s clubs, online at BJs.com, and through the BJ’s mobile app.
2% Back Everywhere Else
Use it anywhere Mastercard is accepted and collect 2% back on non-BJ’s purchases. This makes the card versatile for daily spending outside the club.
Save Big at the Pump
Fuel costs drop instantly with 15¢ off per gallon at BJ’s Gas every time you pay with your card.
No Annual Fee
Carry this card with confidence—there’s no yearly charge attached.
Rewards That Don’t Expire
Your earnings remain active for the life of your account, giving you freedom to redeem whenever it suits you.
Unlimited Earning Potential
There are no caps on rewards, so the more you spend, the more you accumulate.
Simple Redemption
Once you’ve earned at least $10, you can apply your rewards at checkout—whether in-club, online, or in the app.
No Extra Fees Abroad
Travelers benefit from zero foreign transaction fees, saving you 3% on international purchases.
World Mastercard Extras
Enjoy added perks like discounts with select partners, extended warranties, travel coverage, and fraud protection tools.
Who Qualifies for the BJ’s One+ Mastercard?
- Active BJ’s Club+ Membership (required for eligibility)
- Good to Excellent Credit (generally 670+ recommended)
- Age 18 or older (19 in AL and NE)
- Valid U.S. residency and address
- Social Security Number required for verification
How to Apply
- Confirm Membership – Make sure you hold an active BJ’s Club+ Membership.
- Apply Online or In-Club – Submit your application at BJs.com or at the Member Services Desk in-store.
- Check for Pre-Approval – Many applicants can see if they qualify without affecting their credit score.
- Provide Information – Enter personal, contact, and financial details.
- Review and Submit – Read terms carefully, then finalize your application.
- Get a Decision – Capital One often provides an answer within minutes.
FAQs About the BJ’s One+ Mastercard
What’s the difference between the One and One+ cards?
The BJ’s One+ Mastercard requires the Club+ membership and comes with higher rewards—5% back at BJ’s, 2% everywhere else, and 15¢ off per gallon. The standard BJ’s One Mastercard requires the Club membership and earns 3%, 1.5%, and 10¢ per gallon, respectively.
Does this card come with a welcome bonus?
Yes. From June 14, 2025, through June 29, 2025, new cardholders can earn a $50 reward bonus.
How can I redeem my rewards?
Rewards are redeemed in $10 increments during checkout at BJ’s clubs, BJs.com, or via the app.
Do all BJ’s purchases earn the full 5%?
Not all. Items like fuel, alcohol, tobacco, propane, lottery tickets, and gift cards are typically excluded from the top reward rate.
