BJ’s One Mastercard: Designed to Maximize Everyday Rewards

Get more from every purchase—at BJ’s and beyond—with a card built for long-term value and daily savings.

The BJ’s One Mastercard brings real advantages to shoppers who want to stretch every dollar. If BJ’s is part of your weekly routine—or even your go-to spot for big savings—this card complements your spending habits with cashback, flexibility, and ease of use.

Backed by Capital One, this card works far beyond BJ’s stores, giving you cashback not only on your club purchases but also at restaurants, gas stations, and online. It’s an ideal fit for those who want convenience without sacrificing rewards.

What Sets This Card Apart?

Solid Cashback at BJ’s
You earn 3% on purchases made in-store, online, or through the app. The rewards have no maximum cap and stay valid while your account is active.

Earn Outside the Club Too
Get 1.5% back on all other eligible spending—from meals to bills. It’s a steady return with no rotating categories or hidden terms.

Fuel Savings on Every Fill-Up
Save 10¢ per gallon at BJ’s gas stations just by using your card and being an active BJ’s member. It’s automatic—and adds up fast.

No Annual Fee with Membership
There’s no extra cost for the card itself. As long as you keep your BJ’s membership, you won’t pay an annual fee to use the card.

Flexible Payment Features
Choose your due date to better align with your paycheck and expenses. Plus, freeze your card instantly from the Capital One app if needed.

Track Your Credit for Free
Stay in control with complimentary credit score monitoring. It’s one more way the card helps you manage your financial life.

Eligibility Checklist

• You must be a BJ’s member. An active membership is required to apply.
• You need to be at least 18 (19 in some states) and live in the U.S.
• A steady income and responsible borrowing history will improve your approval odds.
• A good credit score (670+) helps you qualify for the premium One+ version.
• Social Security Number and full application details are required to apply.

How to Apply

Online Application
Head to Capital One’s official site and fill out the BJ’s One Mastercard form securely.

In-Club Application
Prefer in person? Stop by any BJ’s store and speak with a team member to apply.

What You’ll Need

• BJ’s membership number
• Personal and contact info
• Income and employment details
• Housing status
• Social Security Number

After applying, you’ll likely get an instant decision. If more time is needed, Capital One will follow up by email or mail.

Frequently Asked Questions

Below are some common questions about the BJ’s One Mastercard:

Do my rewards ever expire?
No. As long as your account remains open, your BJ’s One Mastercard rewards won’t expire. This lets you build them up over time and use them when it works best for you.

How can I use my rewards?
Your rewards can be applied at checkout in BJ’s clubs, through the BJ’s website, or in the mobile app. You’ll need at least $10 in rewards to start redeeming.

Is this card valid outside of BJ’s stores?
Yes! The BJ’s One Mastercard is issued by Capital One and can be used anywhere Mastercard is accepted. This means you can earn rewards no matter where you shop.