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Side-by-side
BJ's One Mastercard vs Capital One Spark Cash
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the BJ's One Mastercard's. Get the Capital One Spark Cash first; revisit the BJ's One Mastercard after you've earned that bonus.
| Feature | BJ's One Mastercard | Capital One Spark Cash |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | $1,000 cash bonus | |
| Bonus value (est.) | - | $1,000 |
| Min spend to unlock bonus | - | $10,000 in 3 mo |
| Issuer | Capital One | Capital One |
| Card category | cashback | business |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Editorial take: Capital One Spark Cash
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or Capital One Spark Cash?
- The Capital One Spark Cash has a public bonus ($1,000 cash bonus, worth roughly $1,000), 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 Spark Cash?
- The BJ's One Mastercard has no annual fee, so the question is whether the Capital One Spark Cash's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash's benefits to clear $95 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 Spark Cash?
- 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 Spark Cash first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. Capital One Spark Cash: $10,000 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.