BJ's One+ Mastercard
By Alex Compton · Last verified
Up to 5% back in club and real savings at the BJ's pump.
Welcome Bonus
None
No welcome offer; One+ 5% at BJ's, 2% elsewhere and 15 cents off per gallon confirmed
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmedNo welcome offer; One+ 5% at BJ's, 2% elsewhere and 15 cents off per gallon confirmed | Capital One BJ's One Mastercard product page → |
| 2026-06 | 0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
One+ 5% at BJ's / 2% else, One 3%/1.5%, 15 and 10 cents per gallon, no annual fee confirmed
Capital One BJ's One Mastercard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 5xBJ's in-club, BJs.com, and app purchasesOne+ tier, with Club+ membership. The base One card earns 3%
- 2xPurchases outside BJ'sOne+ tier. The base One card earns 1.5%
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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