Capital One
BJ's One+™ Mastercard®
Cash back only
Annual fee
$110/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Good (670+)
Offer last verified July 7, 2026. How we verify.
Earning rates
5% cash back on eligible BJ's purchases in-club, on BJs.com, and in the app (requires the BJ's Club+ membership tier)
2% cash back everywhere else Mastercard is accepted
Rewards redeem toward BJ's purchases and never expire
Features & benefits
15 cents off per gallon at BJ's Gas when you pay with the card
Requires an active BJ's membership; the Club+ tier costs $110 per year
The $110 annual fee reflects the required BJ's Club+ membership; the card has no separate fee, and there are no foreign transaction fees
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the BJ's One+™ Mastercard® lands.
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