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
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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 |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 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%
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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.
Rate this card
Be the first to rate it
Commentson BJ's One+
Comments are stored in your browser during our community preview. Accounts, moderation and cross-device sync arrive with Credit Compound Community.