BJ's Credit Card Review: Rewards, Perks, and Options

If you do most of your bulk shopping at BJ's Wholesale Club, the BJ's One Mastercard is built to turn those grocery and gas runs into cash back. This review covers the exact rewards, the real APR from the cardholder agreement, the fees, and who should actually carry it. APRs vary by creditworthiness, and terms and conditions apply.

Figures below are verified as of June 2026 against the Capital One cardholder agreement on file with the CFPB.

Key Facts at a Glance

All figures as of June 2026, per the Capital One cardholder agreement.

What the BJ's One Mastercard Is

The BJ's card is issued by Capital One, N.A., not BJ's itself. It is a co-branded Mastercard, so you can use it anywhere Mastercard is accepted, not just inside the club. It comes in two tiers:

• BJ's One Mastercard: the standard version.
• BJ's One+ Mastercard: the upgraded version, which requires a paid BJ's membership and pays higher rewards.

Because it is an open-loop Mastercard, it works as a general spending card while still rewarding you most at BJ's. Capital One reports the account to all three major bureaus (Experian, TransUnion, and Equifax).

Exact Rewards

This is where the two tiers differ.

BJ's One+ Mastercard

• 5% back on eligible purchases at BJ's
• 2% back on purchases everywhere else
• 15 cents off per gallon at BJ's Gas

BJ's One Mastercard

• 3% back on most BJ's purchases
• 1.5% back everywhere else
• 10 cents off per gallon at BJ's Gas

There is no cap on what you can earn, and rewards do not expire while the account is open. Cash back is redeemed as BJ's awards toward in-club purchases. One catch to know: BJ's Gas purchases earn the per-gallon discount but are not eligible for the cash-back rewards rate.

There is no flat welcome cash bonus published as of June 2026; the value is the ongoing rewards plus the per-gallon fuel discount.

APR and Fees

The rewards only stay positive if you avoid interest, so the numbers matter.

• Purchase APR: 19.24% to 29.24% variable, tied to the Prime Rate and assigned by your creditworthiness at application
• Balance transfer APR: 19.24% to 29.24% variable
• Cash advance APR: 29.24% variable
• Annual fee: $0 on the card (the One+ tier still requires a paid BJ's membership)
• Late payment fee: up to $40
• Balance transfer fee: 3% of each transferred balance posted at a promotional rate
• Cash advance fee: $5 or 5% of the advance, whichever is greater
• Foreign transaction fee: none disclosed in the agreement fee table (Capital One does not charge one)

The top of that purchase-APR range is steep. If you carry a balance, interest can easily wipe out 2% to 5% in rewards. Pay more than the minimum payment and clear the balance each month to keep the card worthwhile. For background on how that rate works, see what APR means on a credit card.

Approval, Credit Limit, and Credit Score

The BJ's One Mastercard is positioned for good-to-excellent credit. Reported approvals cluster around the 700+ range, with an average near 701, so a stronger score improves your odds. You must be a BJ's member to apply. Capital One sets your credit line after reviewing your application, income, and existing debt; the reported average line runs around $7,587, though your number can be higher or lower. Applying triggers a hard inquiry.

Pros and Cons

Pros

• Strong 5% rate at BJ's on the One+ tier for regular members
• Open-loop Mastercard you can use everywhere, unlike a store-only card
• No annual fee on the card itself, no reward caps, rewards do not expire
• No foreign transaction fee

Cons

• The One+ tier and most value depend on paying for BJ's membership
• High purchase APR if you ever carry a balance
• BJ's Gas spend earns the pump discount but no cash-back rewards
• Out-of-club earning (1.5% to 2%) trails the best flat-rate general cards

Who It Is For, and Who Should Skip It

The BJ's One+ Mastercard makes sense if you are already a paying BJ's member who shops there often for groceries and fuel and pays in full every month. For that shopper, 5% at the club adds up fast.

Skip it if you rarely visit BJ's, if you tend to carry a balance, or if you are mainly trying to build credit and want a single card you can use everywhere without a membership tied to it. The card does report to all three bureaus, so on-time payments and low credit utilization can help your score, but a store-anchored card is not the most flexible way to build.

If You Want More Flexibility While Building Credit

If the membership requirement or the high APR gives you pause, or approval is a concern, a card you can use anywhere with no club attached may fit better. If approval odds are your main worry, the Aspire Cash Back Rewards Mastercard is an unsecured card with no security deposit, prequalification up to a $1,000 limit, up to 3% cash back, and reports to all three bureaus. APRs vary by creditworthiness.

If you would rather build credit from your paycheck instead of a deposit, Perpay is powered by your paycheck — no security deposit, shop and pay over time while it reports to all three bureaus, members see an average 32-point increase. It is a steady way to establish a payment history without an upfront secured-card deposit.

Whichever route you take, tracking your score helps. A free tool like Creditship.ai lets you watch your progress over time.

Want to start small and grow your limit as you go? The Arro Card is an unsecured starter card with no deposit and no hard credit check; start with a limit up to $300 that grows toward $2,500 via in-app tasks, reports to all three bureaus. It is a flexible way to build credit you can use anywhere, not just at one club.

Frequently Asked Questions

Who issues the BJ's One Mastercard?

Capital One, N.A. issues both the BJ's One and BJ's One+ Mastercard. It is a co-branded Mastercard, so it works anywhere Mastercard is accepted, with the highest rewards at BJ's.

What rewards does the BJ's One+ Mastercard pay?

The One+ tier earns 5% back at BJ's, 2% everywhere else, and 15 cents off per gallon at BJ's Gas. The standard One card earns 3% at BJ's, 1.5% elsewhere, and 10 cents off per gallon. BJ's Gas purchases get the pump discount but do not earn cash back. There is no cap and rewards do not expire while the account is open.

What is the APR on the BJ's One Mastercard?

The purchase APR is 19.24% to 29.24% variable, tied to the Prime Rate, based on your creditworthiness. Cash advances are 29.24% variable. Pay in full each month to avoid interest that can erase the rewards.

What credit score and limit can I expect?

Reported approvals cluster around 700+ (average near 701), so good-to-excellent credit improves your odds, and you must be a BJ's member to apply. Capital One sets your line at approval; the reported average runs around $7,587, but your number depends on your income and credit profile.