The BJ’s One Mastercard is crafted to elevate your BJ’s membership experience by delivering impressive rewards on everyday spending. This versatile card caters to avid BJ’s shoppers and frequenters of Mastercard-accepting merchants.
With perks like consistent cashback, fuel discounts, and smart app tools, it’s designed to boost value without complexity. Read on to see how you can maximize your membership.
BJ’s One Mastercard Benefits
- Exceptional Rewards at BJ’s: Cardholders earn a solid 3% cash back on all BJ’s warehouse, online, or app purchases. If you upgrade to the One+ version through a Club+ membership, you unlock an outstanding 5% return on those purchases.
- Everyday Cashback Outside BJ’s: When using the card elsewhere, you get 1.5% back on all purchases. The One+ card raises this to 2%, providing consistent earning power on everything from grocery stores to restaurants and travel bookings. This simplicity takes the guesswork out of rewards—just tap, spend, and earn, with no need to switch cards for different types of purchases.
- Save at the Pump: At BJ’s Gas stations, cardholders receive a fuel discount of $0.10 per gallon. The One+ version increases that to $0.15 off per gallon—helping you save on every fill-up. For regular commuters or weekend road-trippers, this perk can add up to notable annual savings without additional effort.
- Cashback That Stays: All rewards earned with the BJ’s One Mastercard never expire. You can accumulate them over time and redeem at your convenience. No countdown timers, no expiration dates—just your rewards waiting for you when you’re ready to redeem.
- Seamless Redemptions: Redeem your rewards in $10 increments online, in-store, or via the BJ’s app. It’s straightforward and quick—your cashback becomes easy-to-use savings. The process is intuitive, so you can seamlessly apply your rewards during checkout, whether you’re shopping for groceries or club essentials.
- Robust Mobile Experience: Utilize the Capital One mobile app to review transactions, set up alerts, make payments, or lock your card. These capabilities grant full control and clarity—making it simple to manage your finances wherever you are.
- Security Backed by Capital One: Your account features real-time fraud monitoring, customizable notifications, and card-lock functionality. These protections help prevent unauthorized use and secure your finances in an increasingly digital world, giving you peace of mind.
- Unlimited Earning Potential: There are no caps on your cashback earnings. Whether you’re using the card at BJ’s or elsewhere, you earn the full percentage—unlimited and uninterrupted. High spenders and regular BJ’s shoppers benefit the most, with no restrictions on how much you can earn.
- Transparent APR Terms: The card offers a variable APR from 19.24% to 29.24%, dependent on credit profile and prime rate. For those who pay in full each month, this cost-effective rate structure highlights the focus on rewards over interest-bearing balances.
Qualification Requirements
- Must Be a BJ’s Member: Active membership in BJ’s Club or Club+ is required for eligibility to apply.
- Adequate Credit History: Capital One typically approves applicants with good to excellent credit scores.
- Minimum Age Requirement: Applicants must be at least 18 years old and legally allowed to enter into contracts in the U.S.
- U.S. Residency Required: Only U.S. citizens or permanent residents with a valid U.S. address can apply.
- Income or Housing Details Needed: The application requires disclosure of your annual income or housing expenses to assess repayment ability.
- Clean Credit Standing Expected: Recent bankruptcies, charge-offs, or serious delinquencies may affect approval chances.
How to Apply for The BJ’s One Mastercard
- Confirm Your BJ’s Status
Ensure your membership in BJ’s Club or Club+ is current—this is essential for eligibility. - Have Personal Info Ready
Keep your SSN, DOB, address, and income details on hand for an efficient application. - Go to Capital One’s BJ’s Card Page
Visit the card section and select the One or One+ version based on your membership. - Fill Out the Application
Provide accurate personal and financial information; the process usually takes only a few minutes. - Review Important Details
Read the APR, reward rates, and card terms carefully before submitting. - Submit and Get Instantly Approved
Many applicants receive instant decisions, with virtual card access available right away in the app.
Frequently Asked Questions
Can I apply without a BJ’s membership?
No. You must hold an active BJ’s Club or Club+ membership to be eligible for the card.
What’s the required credit score?
While Capital One does not state a specific number, good to excellent credit greatly increases approval chances.
Are earnings capped per category?
No. You earn unlimited rewards based on the card version and purchase type, without category or spending caps.
How do I redeem rewards?
Rewards can be easily redeemed in $10 increments online, in-store, or via the BJ’s mobile app.
Fortiva Mastercard Review <p class='sec-title' style='line-height: normal; font-weight: normal;font-size: 16px !important; text-align: left;margin-top: 8px;margin-bottom: 0px !important;'>Get the Fortiva Mastercard – a card designed to help rebuild credit with zero deposit and flexible credit limits.</p>