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BJ's One Mastercard vs Atmos Rewards Visa Signature Business Card
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the Atmos Rewards Visa Signature Business Card from Bank of America at $70/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Atmos Rewards Visa Signature Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,120 more in estimated value) than the BJ's One Mastercard's. Get the Atmos Rewards Visa Signature Business Card first; revisit the BJ's One Mastercard after you've earned that bonus.
| Feature | BJ's One Mastercard | Atmos Rewards Visa Signature Business Card |
|---|---|---|
| Annual fee | $0 | $70 |
| Sign-up bonus | 70,000 points + $99 Companion Fare | |
| Bonus value (est.) | - | $1,120 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | Capital One | Bank of America |
| Card category | cashback | travel |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
Atmos Rewards Visa Signature Business Card
$70/yr · 70,000 points + $99 Companion Fare
Editorial take: Atmos Rewards Visa Signature Business Card
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or Atmos Rewards Visa Signature Business Card?
- The Atmos Rewards Visa Signature Business Card has a public bonus (70,000 points + $99 Companion Fare, worth roughly $1,120), while the BJ's One Mastercard doesn't advertise one right now.
- Is the BJ's One Mastercard's $0 annual fee worth it compared to the Atmos Rewards Visa Signature Business Card?
- The BJ's One Mastercard has no annual fee, so the question is whether the Atmos Rewards Visa Signature Business Card's $70 fee is justified by its perks. If you'll use enough of the Atmos Rewards Visa Signature Business Card's benefits to clear $70 in value annually, it's worth it; otherwise stick with the BJ's One Mastercard.
- Can I have both the BJ's One Mastercard and Atmos Rewards Visa Signature Business Card?
- Yes, since they're from different issuers (Capital One and Bank of America) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BJ's One Mastercard or the Atmos Rewards Visa Signature Business Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. Atmos Rewards Visa Signature Business Card: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.