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BJ's One Mastercard vs Capital One Venture Rewards
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the Capital One Venture Rewards 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 Venture Rewards is the stronger pick today, the sign-up bonus is meaningfully larger ($1,238 more in estimated value) than the BJ's One Mastercard's. Get the Capital One Venture Rewards first; revisit the BJ's One Mastercard after you've earned that bonus.
| Feature | BJ's One Mastercard | Capital One Venture Rewards |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 75,000 miles | |
| Bonus value (est.) | - | $1,238 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | Capital One | Capital One |
| Card category | cashback | travel |
| Transfer partners | None | capital-one |
| Headline benefits |
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Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
Capital One Venture Rewards
$95/yr · 75,000 miles
Editorial take: Capital One Venture Rewards
The simplest travel card in the game. Flat 2x on everything plus transfer partners means you don't have to think, just swipe. Great for people who don't want to chase bonus categories.
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or Capital One Venture Rewards?
- The Capital One Venture Rewards has a public bonus (75,000 miles, worth roughly $1,238), 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 Venture Rewards?
- The BJ's One Mastercard has no annual fee, so the question is whether the Capital One Venture Rewards's $95 fee is justified by its perks. If you'll use enough of the Capital One Venture Rewards'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 Venture Rewards?
- 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 Venture Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. Capital One Venture Rewards: $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.