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Side-by-side
BJ's One Mastercard vs IHG One Rewards Traveler
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the IHG One Rewards Traveler from Chase at $0/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 | IHG One Rewards Traveler |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 80,000 points | |
| Bonus value (est.) | - | $480 |
| Min spend to unlock bonus | - | $2,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | cashback | hotel |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
IHG One Rewards Traveler
$0/yr · 80,000 points
Editorial take: IHG One Rewards Traveler
The 4th-night-free benefit alone makes this a standout, on a 4-night IHG stay, you're effectively getting 25% off. Stack with transfer bonuses from Chase UR for serious savings.
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or IHG One Rewards Traveler?
- The IHG One Rewards Traveler has a public bonus (80,000 points, worth roughly $480), 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 IHG One Rewards Traveler?
- The BJ's One Mastercard has no annual fee, so the question is whether the IHG One Rewards Traveler's $0 fee is justified by its perks. If you'll use enough of the IHG One Rewards Traveler'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 IHG One Rewards Traveler?
- Yes, since they're from different issuers (Capital One and Chase) 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 IHG One Rewards Traveler first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. IHG One Rewards Traveler: $2,000 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.