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Side-by-side
BJ's One Mastercard vs Avianca LifeMiles American Express Elite Card
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the Avianca LifeMiles American Express Elite Card from Cardless at $249/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BJ's One Mastercard | Avianca LifeMiles American Express Elite Card |
|---|---|---|
| Annual fee | $0 | $249 |
| Sign-up bonus | Not advertised | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Capital One | Cardless |
| Card category | cashback | travel |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
Avianca LifeMiles American Express Elite Card
$249/yr ·
Editorial take: Avianca LifeMiles American Express Elite Card
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or Avianca LifeMiles American Express Elite Card?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the BJ's One Mastercard's $0 annual fee worth it compared to the Avianca LifeMiles American Express Elite Card?
- The BJ's One Mastercard has no annual fee, so the question is whether the Avianca LifeMiles American Express Elite Card's $249 fee is justified by its perks. If you'll use enough of the Avianca LifeMiles American Express Elite Card's benefits to clear $249 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 Avianca LifeMiles American Express Elite Card?
- Yes, since they're from different issuers (Capital One and Cardless) 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 Avianca LifeMiles American Express Elite Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. Avianca LifeMiles American Express Elite Card: no published min spend. 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.