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Side-by-side
BJ's One Mastercard vs Choice Privileges Mastercard
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the Choice Privileges Mastercard from Wells Fargo 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 | Choice Privileges Mastercard |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Not advertised | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Capital One | Wells Fargo |
| Card category | cashback | travel |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
Choice Privileges Mastercard
$0/yr ·
Editorial take: Choice Privileges Mastercard
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or Choice Privileges Mastercard?
- 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 Choice Privileges Mastercard?
- The BJ's One Mastercard has no annual fee, so the question is whether the Choice Privileges Mastercard's $0 fee is justified by its perks. If you'll use enough of the Choice Privileges Mastercard'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 Choice Privileges Mastercard?
- Yes, since they're from different issuers (Capital One and Wells Fargo) 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 Choice Privileges Mastercard first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. Choice Privileges Mastercard: 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.