All credit cards
Side-by-side
BJ's One Mastercard vs Capital One Savor
Both are cashback travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the Capital One Savor from Capital One at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
Both cards come from Capital One and target cashback spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Capital One Savor costs $0 more per year, only worth it if you'll actually use the upgraded perks.
| Feature | BJ's One Mastercard | Capital One Savor |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $250 cash back | |
| Bonus value (est.) | - | $250 |
| Min spend to unlock bonus | - | $500 in 3 mo |
| Issuer | Capital One | Capital One |
| Card category | cashback | cashback |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
Capital One Savor
$0/yr · $250 cash back
Editorial take: Capital One Savor
If you care about dining and groceries, this is one of the best no-fee cards available. 3% on four of your biggest categories with zero annual cost is hard to beat.
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or Capital One Savor?
- The Capital One Savor has a public bonus ($250 cash back, worth roughly $250), 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 Capital One Savor?
- The BJ's One Mastercard has no annual fee, so the question is whether the Capital One Savor's $0 fee is justified by its perks. If you'll use enough of the Capital One Savor's benefits to clear $0 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 Capital One Savor?
- Yes, though both are issued by Capital One so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Capital One Savor first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. Capital One Savor: $500 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.