BJ's One Mastercard
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferBenefits and fees last verified May 2026against the issuer's published terms.
Important considerations
- Rewards do not transfer to travel partners
Rewards are fixed cash back with no airline or hotel transfer partners, so you cannot convert them into points for premium cabin or outsized award value.
Based on this card's terms last verified May 2026.
Earning rates
3- 3%gas
Earn 3% unlimited cash back (in BJ's awards dollars) on eligible BJ's Wholesale Club purchases when made in-club or on BJs.com, including BJ's gas with the BJ's app at the pump; this includes most merchandise, services, and gas-station fuel purchased on a valid BJ's membership at any BJ's club location
- 2%dining
Earn 2% unlimited cash back on dining and takeout purchases (restaurants, fast food, cafes, bars, food delivery services), per Capital One's published category for the BJ's One Mastercard
- 1%everything else
Earn 1% unlimited cash back on all other purchases anywhere Mastercard is accepted, with no rotating categories, no activation, and no caps
Statement credits
1- Redemption
Redemption: BJ's awards earned on the BJ's One Mastercard redeem at BJ's clubs and BJs.com at a 1:1 ratio toward purchases; awards do not transfer to airline or hotel loyalty programs and are not redeemable for statement credit or check (you must shop at BJ's to use them)
Perks & memberships
2- Award discountBJ's membership requirement: you must hold a paid BJ's Inner Circle or Club+ membership to earn the elevated 3% in-club rate and to redeem BJ's awards; the card itself can be opened by non-members but the in-club bonus rate and the per-gallon gas discount require an active BJ's membership tap at point-of-sale
- Authorized usersAuthorized users: may be added at no additional cost; rewards earned by authorized users post to the primary cardmember's account, and the primary cardmember is responsible for all charges, per Capital One's standard authorized-user terms
Travel & purchase protections
2- Network: Mastercard World (with World Mastercard network benefits like Mastercard ID Theft Protection, cellular protection where the issuer opts in, and Priceless Cities offers); the card is issued on the Mastercard network and is accepted anywhere Mastercard is accepted
- $0 fraud liability: you are not responsible for unauthorized charges on your BJ's One Mastercard, per Capital One's standard zero-liability fraud protection that applies to all consumer credit cards in its portfolio
More benefits & fine print (8)ShowHide
- Issuer: Capital One, N.A. issues the BJ's One+ Mastercard and the no-annual-fee BJ's One Mastercard; both replaced the legacy Comenity-issued BJ's Perks Elite / Perks Plus cards in 2023 (the legacy 'BJ's Perks Plus' name still appears on this slug, but the live successor product on Capital One is officially branded 'BJ's One Mastercard' for the $0-fee tier)
- BJ's gas: Save 10 cents per gallon on every gallon of BJ's gas purchased with the BJ's One Mastercard at BJ's Gas locations when you also tap your BJ's membership (the per-gallon fuel discount applies on top of BJ's regular member fuel pricing and stacks with the 3% earn rate inside BJs.com / in-club)
- Rewards currency: cash back is issued as BJ's awards (1 BJ's award point = 1 cent at redemption); awards are deposited monthly and applied at the BJ's register or BJs.com checkout in $10 increments, per BJ's standard awards-program mechanics for the One Mastercard
- Card-as-membership: BJ's One cardholders can use the BJ's One Mastercard as their physical BJ's membership card at club entrances and registers (the card is dual-encoded so a single tap handles both membership verification and payment, per BJ's in-club checkout flow)
- Capital One mobile app: account management, transaction alerts, card lock/unlock, virtual card numbers via Eno (Capital One's browser-extension assistant), dispute filing, and statement viewing are available in the standard Capital One mobile app; BJ's awards balance is also surfaced in the BJ's app
- CreditWise: free credit monitoring on the TransUnion and Experian reports with a TransUnion-based VantageScore 3.0, available to all Capital One customers including BJ's One cardholders (CreditWise is free regardless of cardholder status)
- Eno virtual card numbers: free virtual card number service for safer online checkout; generate single-merchant numbers that can be paused or deleted without affecting your real card number, available in supported browsers via the Eno browser extension
- Account alerts: customizable text, email, and push notification alerts for purchases, payments, statement availability, balance thresholds, and suspicious activity, configurable in the Capital One mobile app and online account
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See the Current Offer
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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