BJ's One+™ Mastercard® Review
Overview
The BJ's One+™ Mastercard® is a category rewards card from Capital One, running on the Mastercard network. The BJ's One+™ Mastercard® earns up to 5x on wholesale clubs, so it pays you the most exactly where you already spend. It carries a $110 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend.
It lands in the mid tier: a modest annual fee in exchange for stronger earn rates and a meaningful welcome offer. The right call depends on whether your spending and the perks clear that fee each year.
Think twice if: your spending does not line up with its bonus categories, or if you would rather not think about where you swipe at all.
Our 4.0 out of 5 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.
Rewards: how it earns
Where the BJ's One+™ Mastercard® earns its rewards is its bonus categories: 5x on wholesale clubs (about $150 a year on the $3,000 a typical household spends there). Across a full year of average household spending, the card returns roughly $673 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.
| 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.
Pros and cons
- 5x on wholesale clubs
- No foreign transaction fees
- $110 annual fee to earn back every year
The welcome bonus
This card does not run a traditional welcome bonus, so its value comes entirely from ongoing rewards and perks.
Is the annual fee worth it?
To come out ahead on the BJ's One+™ Mastercard® you need to clear its $110 annual fee, and it leans on rewards rather than credits to get there. On typical spending it earns about $673 a year. For anyone who spends in its categories, the fee is easy to justify.
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
It is best for people who spend heavily on wholesale clubs and will earn back the $110 fee through those bonus categories and the card's perks.
Skip it if your spending does not line up with its bonus categories, or if you would rather not think about where you swipe at all.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
