MastercardBJ's One+ Mastercard
Up to 5% back in club and real savings at the BJ's pump.
Welcome Bonus
None
No welcome offer
Spend Requirement
None
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 5xBJ's in-club, BJs.com, and app purchases
- 2xPurchases outside BJ's
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦15 cents off per gallon at BJ's Gas on the One+, 10 cents on the One
- ✦Card tier follows your membership: Club+ members get the One+, Club members get the One
- ✦Rewards never expire and redeem at BJ's checkout
- ✦No annual fee on either card tier
Why it earns its spot
- +5% on warehouse groceries beats every general grocery card
- +Gas discount stacks with already cheap club fuel
Where it costs you
- −Rewards only redeem at BJ's
- −BJ's Gas purchases themselves earn no rewards
- −Top rates require the pricier Club+ membership
The Compound Verdict
If BJ's is your grocery store, the One+ returns more on food than any mainstream card. The catch is the closed loop: every reward is BJ's money, not cash. Casual members should weigh whether the Club+ upgrade pays for itself first.
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