BJ's One Mastercard

Key Benefits

All Benefits

• 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)
• Annual fee: $0 on the standard BJ's One Mastercard for both BJ's Club and Club+ members (the upgraded BJ's One+ Mastercard carries a $0 annual fee that is effectively bundled with the $110 BJ's Club+ membership and earns higher rates; this slug covers the no-annual-fee tier)
• Welcome offer: Earn a $40 statement credit after spending $100 in your first 90 days when you open a BJ's One Mastercard at a BJ's Club, online at bjs.com, or in the BJ's app (offer terms per Capital One / BJ's joint marketing, subject to change)
• 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
• 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
• Earn 1% unlimited cash back on all other purchases anywhere Mastercard is accepted, with no rotating categories, no activation, and no caps
• 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
• 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)
• No foreign transaction fees: the BJ's One Mastercard does not charge a foreign transaction fee on purchases made outside the US, per Capital One's pricing terms for the card (a strong feature for a $0 annual fee co-branded retail card)
• 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
• BJ'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
• 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)
• Mobile wallet support: Apple Pay, Google Pay, and Samsung Pay are supported; contactless tap-to-pay is enabled on the physical card so you can tap at BJ's registers and at any Mastercard contactless terminal
• 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
• $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
• 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
• Authorized 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
• Variable APR: 19.99% to 29.99% variable APR on purchases (as of recent Capital One disclosures for the BJ's One Mastercard tier, subject to creditworthiness and prime-rate movement); cash advance APR is higher and balance transfers are generally not promoted on this product
• Transfer partners (airline / hotel loyalty programs): Not offered on the BJ's One Mastercard (BJ's awards are a closed-loop in-club currency and cannot be transferred to Aeroplan, Avios, Flying Blue, KrisFlyer, Hyatt, or Marriott Bonvoy; note that Capital One's published earn structure for the BJ's One Mastercard is 3% BJ's / 2% dining / 1% everything else, with no Allegiant / JetBlue / Marriott bonus tier as suggested in some affiliate copy)
• Lounge access (Capital One Lounges, Priority Pass, Plaza Premium, partner lounges): Not offered on the BJ's One Mastercard (lounge access is reserved for the Capital One Venture X and Venture X Business; co-branded retail cards in Capital One's portfolio do not include lounge benefits)
• Travel insurance (trip cancellation / interruption, trip delay reimbursement, baggage delay, lost luggage): Not offered on the BJ's One Mastercard (these benefits are reserved for premium Capital One products like the Venture X; the BJ's One is a retail co-brand without travel-insurance coverage)
• Auto Rental Collision Damage Waiver / rental car insurance: Not offered as a Capital One issuer benefit on the BJ's One Mastercard (rely on the rental company's CDW or another card with coverage)
• Cell Phone Protection: Not offered on the BJ's One Mastercard (cell phone protection is not listed on Capital One's BJ's One product page or in the applicable Mastercard Guide to Benefits for this tier)
• Annual statement credits (travel, dining, streaming, Global Entry / TSA PreCheck application fee credit): Not offered on the BJ's One Mastercard (no annual credits are included; the only ongoing benefit is the per-gallon BJ's gas discount and the 3% / 2% / 1% earn structure)
• Concierge / hotel elite status / airline elite status: Not offered on the BJ's One Mastercard (no Capital One-branded concierge, no airline or hotel status match, and no co-brand status with Allegiant, JetBlue, Marriott, or any other carrier or hotel chain)