BJ’s One Mastercard Review

Whether you're a casual shopper or a BJ's superfan, the BJ's One Mastercard is designed to elevate your everyday spending.

Get ready to revolutionize your shopping experience with the BJ’s One Mastercard! This isn’t just another credit card; it’s your golden ticket to unlocking incredible savings and maximizing every dollar you spend, both inside and outside of BJ’s Wholesale Club.

The excitement doesn’t stop there! From the moment you sign up, you’ll feel the thrill of earning valuable rewards on nearly everything you buy, transforming routine errands into opportunities for remarkable benefits. Prepare to be delighted by the sheer power of this card in your wallet!

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

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Here are some of the fantastic benefits of the BJ’s One Mastercard:

1. Generous Rewards on BJ’s Purchases: This card allows you to earn 3% back in rewards on most purchases made at BJ’s Wholesale Club, whether you’re shopping in-club, on BJs.com, or through the BJ’s app. The best part? There’s no cap on the amount of rewards you can earn, and they never expire for the life of your account!

2. Rewards on Purchases Everywhere Else: Don’t limit your savings to just BJ’s! This card extends its generous rewards program to all your everyday spending. For all your purchases made everywhere else Mastercard is accepted, you’ll still earn a solid 1.5% back in rewards. Whether you’re dining out, paying bills, or shopping online, you’ll still be accumulating valuable rewards. This means you’re continuously earning back on your expenditures, no matter where you swipe your card. It truly transforms every transaction into a chance to boost your rewards balance, making it a versatile and rewarding addition to your wallet for all your spending needs.

3. Fuel Savings at BJ’s Gas: Picture this: pulling up to the gas pump at BJ’s and instantly getting cents off every gallon just for using your BJ’s One Mastercard! You’ll receive an instant 10¢ off per gallon at BJ’s Gas when you use your card and scan your membership. It’s a tangible way this card puts money back in your pocket, making your commute or road trips more affordable and enjoyable. Say goodbye to the sting of high gas prices and hello to consistent savings!

4. No Annual Fee (with BJ’s Membership): One of the most appealing aspects of this card is that it comes with no annual fee! While a BJ’s membership is required, the card itself doesn’t add another recurring charge to your budget. This means you can enjoy all the incredible rewards and benefits without worrying about an extra fee eating into your savings. It’s pure value, designed to complement your BJ’s membership and enhance your overall savings strategy.

5. Rewards Never Expire: The anxiety of watching your hard-earned rewards vanish into thin air because you didn’t use them in time is a thing of the past with the BJ’s One Mastercard! Your rewards are yours for the life of the account, giving you the freedom and flexibility to accumulate them without pressure. This allows you to save up for bigger redemptions or simply enjoy the peace of mind knowing your savings are secure and ready when you are.

6. Effortless Card Lock Feature: Misplaced your card or suspect unauthorized activity? No need to panic! With just a few taps on your phone, you can instantly lock your card, preventing any fraudulent use. This feature provides unparalleled peace of mind, knowing you have immediate control over your account’s security. It’s a modern convenience that truly sets this card apart, empowering you to protect your finances with ease.

7. Flexible Payment Options and Due Date: Managing your finances has never been easier! The BJ’s One Mastercard offers convenient payment flexibility, including the ability to choose your own monthly due date. This empowers you to align your payment schedule with your personal budgeting preferences, making it simpler to stay on track and avoid late fees. It’s about putting you in control of your financial flow, reducing stress and promoting responsible spending habits.

8. Access to Free Credit Scores: Knowledge is power, especially when it comes to your financial health! With the BJ’s One Mastercard, you gain access to your free credit score, allowing you to monitor your financial progress and make informed decisions. This valuable perk helps you understand your credit standing without incurring additional costs, empowering you to build a stronger financial future.

Who Can Apply?

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

• Active BJ’s Membership: You must be an active member of BJ’s Wholesale Club. The card is designed to complement your membership and enhance your savings at the club.
• Credit Score: While not explicitly stated on the Capital One website, typically, credit cards like the BJ’s One Mastercard (especially the One+ version) are geared towards individuals with good to excellent credit scores (generally 670+ for good, and 740+ for excellent). However, some sources suggest that applicants with credit scores in the 620-719 range might also be considered for the standard BJ’s One Mastercard. It’s always best to check your credit score before applying.
• Age: You must be at least 18 years old (or 19 in Alabama and Nebraska).
• Residency: You must be a U.S. resident.
• Financial Stability: Capital One will assess your income and financial history to determine your ability to make payments.
• No Bankruptcies or Loan Defaults: Generally, to qualify for the best rates and approval, you should have no bankruptcies or loan defaults in your history.
• Good Payment History: A history of timely payments on existing debts is crucial.
• Existing Credit Account: Having at least one loan or credit card account that has been open for at least three years, with a minimum credit limit or original amount borrowed of $5,000 or more, can be beneficial for approval, especially for the higher-tier card.

How to Apply?

Applying for the BJ’s One Mastercard is a straightforward process. Here’s a general list of how you can apply:

1. Online: Visit the official Capital One website for the BJ’s One Mastercard. Look for the “Apply Now” button.
2. In-Club: Visit the Member Services Desk at your nearest BJ’s Wholesale Club location. Club representatives can assist you with the application process.
3. Provide Information: You will be asked to provide personal and financial information, including:
   • Your full name and address
   • Date of birth
   • Social Security Number (SSN)
   • Contact information (phone, email)
   • BJ’s Membership Number
   • Income and employment details
   • Housing information (rent/own)
4. Review and Submit: Carefully review all the information you’ve provided before submitting your application.
5. Instant Decision (Often): In many cases, you may receive an instant decision on your application. If not, you will be notified via email or mail regarding the status of your application.

Frequently Asked Questions

Here are frequently asked questions about the BJ’s One Mastercard:

Do my rewards expire?

No, rewards earned with your BJ’s One Mastercard do not expire for the life of your account. This allows you to accumulate rewards over time and redeem them when it’s most convenient for you.

How do I redeem my rewards?

You can redeem your rewards in-club at the checkout register, on BJs.com, or within the BJ’s app. You need a minimum balance of $10 in rewards to redeem.

Can I use the BJ’s One Mastercard outside of BJ’s Wholesale Club?

Absolutely! The BJ’s One Mastercard is a Capital One Mastercard, which means it can be used anywhere Mastercard is accepted, giving you broad spending power and the opportunity to earn rewards on all your purchases.

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

APPLY NOW You will be redirected