BJ's One Mastercard vs Capital One Venture X

Common questions

Which card has the bigger sign-up bonus, BJ's One Mastercard or Capital One Venture X?

The Capital One Venture X 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 X?

The BJ's One Mastercard has no annual fee, so the question is whether the Capital One Venture X's $395 fee is justified by its perks. If you'll use enough of the Capital One Venture X's benefits to clear $395 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 X?

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 X 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 X: $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.