BJ's One+™ Mastercard®
A $110-a-year cash back card from Capital One.
Rates, fees, and full terms are set by Capital One and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Our review
The BJ's One+ Mastercard is a warehouse-club co-brand built around BJ's Wholesale, with a strong 5% back at BJ's and solid gas earning. It requires a BJ's membership and carries a $110 fee, so it is really a card for dedicated BJ's shoppers who spend enough there to make the numbers work.
If BJ's is your main grocery and gas stop, the 5% can add up, but outside the club the card is unremarkable.
Think twice if: you do not shop at BJ's, since the card's value is concentrated in the club and it carries a fee.
Our 5.9 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 5% back at BJ's and strong rates on gas, with more modest rates elsewhere. The 5% at BJ's is the draw and can be significant for a heavy club shopper, but away from BJ's the earning is ordinary, and you need a membership to hold the card.
| Category | Rate | Notes |
|---|---|---|
| Wholesale clubs | 5x | Bonus category |
| Dining and restaurants | 2x | Base rate |
| Groceries | 2x | Base rate |
| Gas | 2x | Base rate |
| Travel | 2x | Base rate |
| Streaming | 2x | Base rate |
| Transit and rideshare | 2x | Base rate |
| Entertainment | 2x | Base rate |
| Everything else | 2x | Everything else |
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Best ways to earn & redeem
Put your wholesale clubs spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus. Its wholesale clubs rate is among the stronger ones you will find in that category.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Pros and cons
- 5% back at BJ's Wholesale
- Strong gas earning
- $110 fee plus a required BJ's membership
- Ordinary earning outside BJ's
- No welcome bonus
The welcome bonus
There is no meaningful welcome bonus, which is a downside next to cards that offer cash up front. The value is in the ongoing 5% at BJ's, not a sign-up reward.
Is it worth the annual fee?
The $110 fee, on top of a required BJ's membership, means you need to spend a lot at BJ's for the 5% to outweigh the cost. For a heavy BJ's shopper it can work; for anyone else, it does not.
First-year value vs ongoing value
| Welcome bonus | None |
| To earn it | No minimum spend |
| Est. first-year value* | $563 |
| Est. ongoing value / yr* | $563 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $563 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- 15 cents off per gallon at BJ's Gas when you pay with the card
- Rewards redeem toward BJ's purchases and never expire
- 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
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you do a large share of your shopping at BJ's, the 5% back can justify the fee and membership, this is a card for committed club shoppers.
If you do not shop at BJ's regularly, the fee and membership requirement make it a poor fit, and a broader cash-back card is smarter. This is strictly a BJ's loyalist card.
Alternatives to the BJ's One+™ Mastercard®
Pairs well with
The BJ's One+™ Mastercard® earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.
Frequently asked questions
Best-card guides featuring this card
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.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
