BJ’s One Mastercard: Rewards Everyday

Earn 3% cash back at BJ's, 1.5% everywhere else, and save on gas. No annual!

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

SEE HOW TO APPLY You will remain on the current site

Imagine earning valuable rewards on your everyday spending, from your BJ’s hauls to your gas fill-ups and dining out. With the BJ’s One Mastercard, that’s not just a possibility—it’s a built-in benefit! It offers a straightforward way to get more value from your BJ’s membership and beyond.

If you’re a frequent shopper or someone who loves to maximize savings, this card could be a perfect fit. Plus, new cardholders can often benefit from a welcome offer, like the $40 statement credit after a first purchase, as sometimes advertised. Ready to see if it’s for you?

Pros

• Valuable Cash Back Rewards:
  • Earn 3% cash back on most BJ’s purchases, in-club and at BJs.com, according to the card’s terms. This includes most items, making your regular BJ’s trips even more rewarding.
  • Earn 1.5% cash back on all other eligible purchases everywhere else Mastercard is accepted. From groceries to travel, your spending outside of BJ’s keeps adding up.
  • A significant plus is that there’s no limit to the total cash back you can earn, and your rewards generally don’t expire as long as your account remains open and in good standing.
• Save on Gas: Enjoy an instant discount of 10¢ off every gallon of gas when you fill up at BJ’s Gas and pay with your BJ’s One Mastercard – a clear, upfront saving.
• Ease of Use & Redemption:
  • Your cash back is typically earned as rewards points that are automatically tracked.
  • Redeeming is simple: use your rewards in $10 increments at the checkout in BJ’s Clubs or request them as a statement credit to your card account, as detailed by the issuer.
• Additional Mastercard Benefits: As a Mastercard, this card usually comes with standard benefits like $0 Fraud Liability for unauthorized purchases and global acceptance.

Cons

• BJ’s Membership Required: To apply for and maintain the BJ’s One Mastercard®, you must be a BJ’s Wholesale Club member. While the card itself boasts no annual fee (a detail confirmed by Capital One).
• Rewards Redemption Increments: Rewards must be redeemed in $10 increments, meaning you might have to wait until you accumulate enough to use them.
• Exclusions Apply: Be aware that some purchases may not be eligible to earn rewards, such as BJ’s gift cards, lottery tickets, or certain services. It’s always wise to review the cardholder agreement from Capital One for full details on eligible purchases, as terms can vary.

Is the BJ’s One Mastercard Right For You?

So, why do we believe the BJ’s One Mastercard could be a fantastic addition to your wallet? Well, if you’re already part of the BJ’s Wholesale Club family, or even if you’re considering joining, this card is specifically designed to supercharge the value you get from your membership. Imagine turning those regular shopping trips—whether you’re stocking up on groceries for the family, grabbing household essentials, or snagging the latest electronics—into significant 3% cash back rewards, as per the card’s current offer. These rewards can add up quickly, making a real difference to your budget!

Furthermore, this card is a perfect match for anyone who’s always looking for smart ways to make their money go further. Beyond the excellent rewards at BJ’s, you’ll enjoy an instant 10¢ discount on every gallon of gas at BJ’s Gas, which is a straightforward saving every time you fill up. And for those who appreciate a rewards program that’s both generous and easy to understand, the BJ’s One Mastercard delivers. With clear earning rates (like the 1.5% back everywhere else Mastercard is accepted) and simple redemption options, getting tangible value from your everyday spending becomes effortless and truly rewarding.