See How to Request the BJ’s One Mastercard

The BJ’s One Mastercard, issued by Capital One, is designed for frequent shoppers at BJ’s Wholesale Club who want to earn rewards on their purchases. 

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

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Navigating the world of retail credit cards can be overwhelming, but the BJ’s One Mastercard stands out by offering straightforward rewards and savings for BJ’s members. 

Tailored to enhance your shopping experience, this card provides cashback on BJ’s purchases, discounts at BJ’s Gas, and rewards on everyday spending elsewhere. If you’re a BJ’s member looking to maximize your savings, this card could be a valuable addition to your wallet.

With no annual fee and competitive cashback rates, this card offers value both inside and outside BJ’s locations. Whether you’re stocking up on household essentials or filling up at BJ’s Gas, the BJ’s One Mastercard ensures your spending works harder for you. 

What Are the Requirements Needed to Apply?

To be eligible for the BJ’s One Mastercard, applicants must meet the following criteria: 

• Age: At least 18 years old (19 in certain states like Alabama and Nebraska).
• Residency: U.S. citizen or permanent resident with a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
• Credit Score: A good to excellent credit score, typically 670 or higher.
• Income: A verifiable source of income sufficient to meet repayment obligations.
• BJ’s Membership: An active BJ’s Wholesale Club membership is required.

Meeting these requirements increases your chances of approval and ensures that you can manage the card’s repayment structure effectively.

What Documents Are Required?

During the application process, you may be asked to provide the following documents to verify your identity and financial status:

• Government-Issued ID: A clear copy of your driver’s license, passport, or state ID.
• Proof of Income: Recent pay stubs, W-2 forms, or tax returns.
• Bank Statements: Recent statements to confirm account activity and balances.
• Utility Bills: To verify your residential address.

Providing accurate and up-to-date documents facilitates a smoother application process and helps in obtaining a credit line that suits your financial needs.

What Are the Biggest Uses of This Credit Card?

The BJ’s One Mastercard is a versatile rewards card that offers practical benefits both inside and outside BJ’s Wholesale Club. 

Whether you’re looking to save on gas, earn rewards on bulk purchases, or use the card for everyday expenses, it delivers solid value. Here’s how cardholders commonly take advantage of its features:

Maximizing Rewards at BJ’s

Cardholders earn 3% back in rewards on eligible BJ’s purchases made in-club, online at BJs.com, or through the BJ’s mobile app. This elevated rate makes the card especially valuable for members who regularly shop at BJ’s for bulk items, household necessities, or groceries. 

Whether you’re restocking the pantry or buying big-ticket items, your purchases earn meaningful rewards. Additionally, during special promotional events, BJ’s may offer double rewards on select categories or dates—providing even more incentive to use the card and boosting overall savings.

Savings at BJ’s Gas

When you use your BJ’s One Mastercard at BJ’s Gas stations, you’ll receive an instant 10¢ per gallon discount at the pump. This automatic savings feature requires no activation and applies every time you fill up, making it a highly valuable benefit for frequent drivers. 

Over time, especially for families or individuals with long commutes, these discounts can lead to substantial fuel savings, further enhancing the card’s everyday utility.

Earning Rewards on Everyday Purchases

Outside of BJ’s, the card offers 1.5% back in rewards on purchases made anywhere Mastercard is accepted. That means whether you’re shopping at a pharmacy, dining out, or paying utility bills, you continue to earn rewards on all your spending. 

This makes the BJ’s One Mastercard not just a store-specific card, but a practical and rewarding option for general daily use, helping you accumulate points even faster—both inside and outside the club.

Our Advice for Anyone Applying for the BJ’s One Mastercard

Before applying, assess your shopping habits and financial goals. If you’re a frequent BJ’s shopper, this card offers substantial rewards and savings opportunities. Ensure you have an active BJ’s membership, as it’s a prerequisite for the card. Additionally, consider your ability to pay off balances monthly to avoid interest charges, as the card’s APR can be relatively high. Taking advantage of the card’s benefits requires disciplined spending and timely payments.

Weighing Up the Pros and Cons – Is It Worth It?

The BJ’s One Mastercard offers significant advantages for dedicated BJ’s shoppers. The 3% rewards on BJ’s purchases and 10¢ per gallon discount at BJ’s Gas provide tangible savings. Additionally, the 1.5% rewards on other purchases make it a versatile card for everyday spending. 

However, the rewards are redeemable only at BJ’s, which may limit their utility for some users. Furthermore, the card’s value is maximized only if you consistently shop at BJ’s and can pay off your balance in full each month to avoid interest charges. 

Therefore, while the card is highly beneficial for regular BJ’s customers, it may not be as advantageous for those who shop there infrequently. 

Apply Once and for All for the BJ’s One Mastercard on the Official Website!

Ready to enhance your BJ’s shopping experience with the BJ’s One Mastercard? Click the button below to apply directly through the official BJ’s website. 

The application process is straightforward, and you can start enjoying the benefits of increased rewards and savings on your BJ’s purchases.

Note: Ensure you review all terms and conditions on the official BJ’s website before applying.

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

APPLY NOW You will be redirected