Smart shoppers get more with this club-focused rewards card—earn up to 5% back and pay no annual fee.
The BJ’s One Mastercard by Capital One is a compelling option for loyal members of BJ’s Wholesale Club who want to turn everyday spending into generous cashback rewards. Designed to support both in-club and online purchases, this card offers up to 5% back on eligible BJ’s purchases, 2% back on dining and non-BJ’s gas stations, and 1% back everywhere else Mastercard is accepted.
This credit card is more than just a payment method—it’s a strategic tool for household managers and budget-conscious families who do a bulk of their shopping at BJ’s. With no annual fee and automatic cashback redemption, the BJ’s One Mastercard helps maximise savings while offering robust security and flexibility.
Key Benefits of the BJ’s One Mastercard
- 5% Cashback at BJ’s: Cardholders earn an impressive 5% back on most purchases at BJ’s Wholesale Club, including in-store and online orders. Whether buying groceries, cleaning supplies, or electronics in bulk, this cashback rate adds up quickly for frequent shoppers. For members who spend regularly at BJ’s, it’s one of the most generous reward structures available in a no-annual-fee card.
- 2% Back on Dining and Gas: Outside of BJ’s, the card still delivers strong value: 2% back at restaurants and on fuel from non-BJ’s gas stations. From weekday lunches to weekend dinners and everyday commutes, these essential spending categories allow members to earn meaningful rewards without changing their habits.
- 1% Back on All Other Purchases: Even beyond club or travel-related expenses, this card continues to reward everyday shopping with 1% back everywhere Mastercard is accepted. It’s a simple, no-hassle way to earn on pharmacy items, online orders, or subscription services—without worrying about rotating categories.
- Automatic Cashback Redemption: The rewards system is refreshingly easy: cashback is automatically applied to your account as a statement credit. There’s no need to log in, choose options, or track expiration dates. It’s a hands-off rewards experience ideal for busy families and budget-conscious users.
- No Annual Fee: With no annual fee, the BJ’s One Mastercard ensures that every dollar earned in cashback truly counts. Members can enjoy meaningful rewards and extra savings without having to offset any upfront cost, making it a low-risk, high-value option.
- Dual Function: Credit Card and Membership Card: The BJ’s One Mastercard conveniently functions as both your BJ’s membership and your credit card, streamlining your wallet and checkout experience. Plus, enjoy added security with $0 fraud liability, contactless tap-to-pay technology, and compatibility with Apple Pay, Google Pay, and Samsung Pay.
Qualification Requirements
To be eligible for the BJ’s One Mastercard, applicants typically need to meet the following:
- Fair to Good Credit (Typically 630+)
- BJ’s Membership Required
- Stable Income Source
- U.S. Residency and SSN
Capital One considers various factors during application, including recent credit behaviour, current debt levels, and account history.
How to Apply for the BJ’s One Mastercard
Applying is simple and can be done online through Capital One or directly from BJ’s:
- Visit the BJ’s Credit Card Page
- Choose the BJ’s One Mastercard Option
- Sign In or Create a BJ’s Membership Account
- Fill Out the Secure Application Form
- Submit and Wait for a Decision (Often Instant)
Approved cardholders can begin using their card digitally before the physical version arrives.
Frequently Asked Questions (FAQs)
1. Do you need a BJ’s membership to apply?
Yes. A valid BJ’s membership is required to apply for and maintain the BJ’s One Mastercard.
2. Is there a welcome bonus?
Offers may vary; check BJ’s or Capital One’s website for any current sign-up bonuses.
3. How is cashback redeemed?
Cashback is automatically credited to your account—no need to manually redeem points.
4. Can you use the card outside of BJ’s?
Yes, it works anywhere Mastercard is accepted, earning 2% or 1% back depending on the merchant.
5. What happens if you cancel your BJ’s membership?
You may lose eligibility for the card, and rewards could be forfeited if the account is closed.
