BJ’s One Mastercard Review

For the savvy BJ's shopper, the BJ's One Mastercard is a fantastic tool designed to turn your regular wholesale club runs into a rewarding experience. 

Get ready to watch your savings stack up! The BJ’s One Mastercard simplifies the rewards process, allowing you to earn on everyday essentials and redeem those earnings directly at the checkout. With no annual fee for the card itself and a suite of valuable perks, it’s an essential companion for anyone who frequents BJ’s for their family’s needs.

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BJ’s One Mastercard

3% Back in Rewards Rewards never expire

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Benefits of the BJ’s One Mastercard

1. A Fantastic 3% Back in Rewards at BJ’s: Earn a generous 3% back in rewards on most purchases made in-club at BJ’s, on BJs.com, or in the BJ’s app. This is a great way to save on groceries, electronics, and household goods.
2. A Solid 1.5% Back Everywhere Else: Your earning power isn’t limited to the club. You’ll also earn a solid 1.5% back in rewards on all other purchases made outside of BJ’s where Mastercard is accepted.
3. Save at the Pump!: Enjoy an instant discount of 10¢ off each gallon of fuel when you use your BJ’s One Mastercard® to pay at BJ’s Gas.
4. $0 Annual Fee: This powerful rewards card comes with no annual fee. (Note: A paid BJ’s membership is required to get and keep the card).
5. Rewards That Never Expire: The rewards you earn are yours for the life of the account. They won’t expire, giving you the flexibility to use them whenever you choose.
6. No Cap on Rewards: There’s no limit to the amount of rewards you can accumulate. The more you spend, the more you earn.
7. Simple Redemption: Once you have a minimum of $10 in rewards, you can easily redeem them in-club, on BJs.com, or in the BJ’s app to pay for your purchases.
8. No Foreign Transaction Fees: Travel internationally without worry! This card doesn’t charge foreign transaction fees on purchases made outside the United States, a valuable perk for travelers.
9. World Mastercard Benefits: Gain access to a suite of additional perks, which can include a $5 Lyft credit after three rides in a month and a complimentary ShopRunner membership for free 2-day shipping at select retailers.
10. Capital One Mobile App: Manage your account anytime, anywhere with the award-winning Capital One mobile app. Check your balance, make payments, and view your rewards with ease.
11. Card Lock Security: If you misplace your card, you can instantly lock it from the Capital One app to prevent any unauthorized use, giving you valuable peace of mind.
12. Contactless Payments: Enjoy the speed and security of tap-to-pay with your chip-enabled card wherever Mastercard contactless payments are accepted.

Who Can Apply

To be eligible for the BJ’s One Mastercard, you will generally need to meet the following criteria:

• BJ’s Membership: You must have an active BJ’s “The Club Card” Membership (currently $55 per year).
• Good to Excellent Credit: It is recommended that applicants have a FICO credit score of 670 or higher.
• Age: You must be at least 18 years old.
• U.S. Residency: You must be a resident of the United States with a valid U.S. address.
• Social Security Number: A valid Social Security Number is required for the application.

How to Apply

Applying for the BJ’s One Mastercard is a simple process.

1. Ensure You Have the Right BJ’s Membership: You must have a current BJ’s “The Club Card” membership.
2. Visit the BJ’s Website or a Local Club: You can apply online or visit the Member Services desk at any BJ’s Wholesale Club.
3. Check for Pre-Approval (Recommended): The online application offers a pre-approval check that allows you to see if you are likely to be approved without impacting your credit score.
4. Complete the Application: Fill out the secure online application with your personal, contact, and financial information.
5. Review the Terms and Submit: Carefully read the card’s terms and conditions before submitting your application.
6. Receive a Decision: Capital One often provides a decision within minutes.

Frequently Asked Questions

1. What’s the difference between the BJ’s One Mastercard and the BJ’s One+ Mastercard?

The card you are eligible for depends on your BJ’s membership tier.

• BJ’s One Mastercard: Requires a “The Club Card” membership ($55/year). It earns 3% back at BJ’s, 1.5% back everywhere else, and gives 10¢ off/gallon at BJ’s Gas.
• BJ’s One+ Mastercard: Requires a “The Club+ Card” membership ($110/year). It offers higher rewards: 5% back at BJ’s, 2% back everywhere else, and 15¢ off/gallon at BJ’s Gas.

2. Does the card have an annual fee?

The card itself has a $0 annual fee. However, it requires an active, paid BJ’s membership to apply for and maintain the card and its benefits.

3. How do I redeem my rewards?

You can redeem your rewards in increments of $10 at the checkout when making purchases in a BJ’s club, on BJs.com, or through the BJ’s app. The rewards are applied directly to your purchase total.

4. Are there any purchases that don’t earn the 3% reward rate at BJ’s?

Yes, some purchases are excluded from earning rewards. These typically include gasoline, propane, gift cards, lottery tickets, alcoholic beverages, and tobacco products.

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

APPLY NOW You will be redirected