Earn more every time you shop, fuel up, or dine out — all with the BJ’s One+ Mastercard in your wallet.
The BJ’s One+ Mastercard by Capital One is built for BJ’s members who want to maximise their everyday spending with higher cash back rates and exclusive benefits. With up to 3% back on BJ’s in-club and online purchases, 2% back at restaurants and gas stations, and 1% everywhere else Mastercard is accepted, this card turns routine purchases into valuable returns. It also integrates seamlessly with your BJ’s membership, making redemption automatic and effortless.
For those already using BJ’s Wholesale Club for their household or business needs, the BJ’s One+ Mastercard offers a powerful incentive to upgrade. Not only do you earn more, but you also enjoy added convenience and savings through Capital One’s mobile tools and fraud protection features. If you’re a frequent BJ’s shopper looking to get more from every purchase, this is the premium card that delivers.
BJ’s One+ Mastercard
CashbackOnEveryShop FuelSavingsPlusKey Benefits of the BJ’s One+ Mastercard
1. 3% Back on Most BJ’s Purchases
The BJ’s One+ Mastercard offers an impressive 3% cash back on eligible BJ’s in-club and online purchases. This makes it one of the most rewarding cards for BJ’s members.
2. 2% Back on Dining
Every restaurant bill earns you 2% back, helping you save even when dining out.
3. 2% Back on Gas
Earn 2% back at the pump, including gas stations outside of BJ’s — a smart benefit for drivers.
4. 1% Back on Everything Else
Get 1% back on all other purchases where Mastercard is accepted, from travel bookings to daily essentials.
5. Automatic Cashback Redemption
Cash back is added directly to your BJ’s earnings balance and applied automatically during checkout.
6. No Credit Card Annual Fee
The BJ’s One+ Mastercard has no annual fee. Note: a BJ’s One+ membership (paid separately) is required.
7. Integrated with BJ’s Membership
All rewards are tied to your BJ’s membership, making tracking and redeeming points seamless.
8. Capital One Mobile App Support
Manage your account, track rewards, and get real-time alerts with the Capital One mobile platform.
9. Fraud Protection and Digital Security
Includes Mastercard Zero Liability and advanced account monitoring for added peace of mind.
10. Accepted Nationwide
Use your BJ’s One+ Mastercard anywhere Mastercard is accepted—across the U.S. and internationally.
Who Can Apply for the BJ’s One+ Mastercard?
To qualify for the BJ’s One+ Mastercard, applicants must:
- Be at least 18 years old (19 in some states)
- Have an active BJ’s One+ membership
- Be a U.S. resident with a valid mailing address
- Provide a Social Security Number or ITIN
- Meet Capital One’s creditworthiness criteria
- Have a verifiable source of income
How to Apply BJ’s One+ Mastercard
- Go to Capital One’s website or the BJ’s credit card application page
- Select “BJ’s One+ Mastercard”
- Log in or provide your BJ’s membership details
- Complete the credit application with personal and financial information
- Review terms and submit the form
- Wait for approval and receive your card by mail
- Start using your BJ’s One+ Mastercard to earn rewards immediately
Frequently Asked Questions (FAQs)
- 1. What’s required to get the BJ’s One+ Mastercard?
You must be a BJ’s One+ member in good standing and meet Capital One’s credit approval standards. - 2. Is there a separate fee for the card?
No, the BJ’s One+ Mastercard has no credit card fee, but you must pay for the upgraded BJ’s One+ membership. - 3. How is cash back redeemed?
Cash back is automatically applied to your BJ’s account and used at checkout. - 4. Can I use the card outside BJ’s?
Yes. You’ll earn 1% cash back everywhere Mastercard is accepted. - 5. Are gas and restaurant purchases eligible for rewards?
Yes. You earn 2% cash back at gas stations and restaurants. - 6. Is the card secured or unsecured?
It’s an unsecured credit card issued by Capital One. - 7. Does the card offer contactless or digital wallet support?
Yes. It supports contactless payments and can be added to digital wallets.
