Rewards Plan
Welcome Bonus
Credit Rating
0% Intro
Annual Fee
APR
- High Rewards Rate
- Automatic Membership Renewal
- BJs Reward Redemptions Only
- Not All Purchases Earn Rewards
Rewards Plan
Welcome Bonus
0% Intro
PROS
- High Rewards Rate
- Automatic Membership Renewal
CONS
- BJs Reward Redemptions Only
- Not All Purchases Earn Rewards
APR
19.99% - 29.99%
Annual Fee
$0
Balance Transfer Fee
N/A
Credit Requirements
Good - Excellent
If you’re a regular shopper at BJ’s the BJ’s One+ Mastercard could be a good option for you. While you can’t redeem your rewards outside of BJ’s, you can accumulate rewards in store and with other vendors and brands.
With no annual fee and access to exclusive events, there really is no downside to this card. However, if you are interested in earning maximum rewards and would prefer more flexible reward redemption, you may want to consider alternative reward card options. There are many no annual fee reward credit cards that allow you to earn cash back, which you can redeem for statement credit, direct deposit payments, gift cards and more.
So, you’ll need to carefully consider whether you would get the benefits of BJ’s redemptions or if you would prefer to look elsewhere.
- 0% Introductory APR
- Anniversary Companion Certificate
- Free First Checked Bags
- Preferred Boarding
- No Foreign Transaction Fees
- Statement Credit for Inflight Purchases
- Travel Insurance
- High Annual Fee
- No Bonus Categories
- Low Rewards Rate
- High APR
What are card income requirements?
There are no official income requirements for the card, but you do need to have good to excellent credit to qualify for this card. This means that while Capital One will evaluate your income, it is not the only consideration for application approval decisions.
Can I get pre-approved?
There is no pre approval option for this card, but you may receive mailers or other promotional materials offering pre approval to select BJ’s customers.
How do I redeem rewards?
Once you reach or exceed the $10 minimum redemption threshold, you can redeem your rewards at checkout when you shop inside a BJ’s club location or via the BJs website. Your rewards will be applied to the total at the time of purchase and you can then pay the remaining balance with your preferred payment method.
In this Review
Estimating Your Rewards: A Practical Simulation
Figuring out the exact rewards you'll receive from the card is tricky because it depends on how you use it, whether it's your primary or secondary card, or if you only use it for certain types of purchases.
But don't worry, we've done some calculations to give you an idea of what you could earn with this BJ's One+ Mastercard. We looked at common spending categories like groceries, travel, and dining, and based on typical expenses in each category, we estimated your total rewards.
| |
|---|---|
Spend Per Category | BJ's One+ Mastercard
|
$10,000 – U.S Supermarkets (BJ) | $500 |
$4,000 – Restaurants
| $80 |
$3,000 – Airline | $60 |
$3,000 – Hotels | $60 |
$4,000 – Gas | $80 |
Estimated Annual Cash Back | $780 |
Pros and Cons
Like any standard credit card, the BJ's One+ Mastercard has its own advantages and disadvantages:
Pros | Cons |
|---|---|
High Rewards Rate For BJ Customers | BJs Reward Redemptions Only |
BJs Gas Discount | Not All Purchases Earn Rewards |
Automatic Membership Renewal | Consequences if You Change Your Membership Level |
Cardholder Exclusives |
- High Rewards Rate For BJ Customers
If you do your supermarket purchases on BJ as well as additional purchases, you can get a high rewards rate from this card compared to many other retailers cards.
- BJs Gas Discount
As a cardholder, you can enjoy 15 cents off per gallon when you purchase fuel at BJs Gas with your card.
Since BJs gas is already competitively priced, this could represent a massive saving for many people, particularly considering the uncertainty of gas prices in recent months
- Automatic Membership Renewal
You need to have a BJ’s The Club+ Card Membership to have the BJ’s One+ Mastercard. This does have an annual membership cost, currently $110.
However, you can enroll in BJ’s Easy Renewal, for automatic membership renewal. This means that you don’t need to set a reminder to renew your membership or risk losing your cardholder privileges
- Cardholder Exclusives
As a cardholder, you can receive extra savings and offers which are exclusively and especially available for BJ One+ customers. This includes the potential to earn additional rewards in Bonus Earnings events that are exclusive for cardholders.
- BJs Reward Redemptions Only
While it is not unusual for a store co-branded card, your reward redemptions are limited to BJs in-store or online purchases.
This means that you can’t redeem your rewards for statement credit against charges on your card. You simply have to use them on your next BJ shopping trip.
- Not All Purchases Earn Rewards
While you can earn rewards on purchases at BJs, not all items qualify. There are some exceptions that will not earn you any rewards.
These include cigarettes or tobacco products, alcoholic beverages, gift cards, lottery tickets and propane.
- Consequences if You Change Your Membership Level
If you change your membership level, your card may be automatically downgraded to the corresponding card.
If you cancel your membership completely, you can continue to earn rewards and use your card, but you’ll incur a 20% surcharge on your purchases.
Who Should Consider The BJ’s One+ Mastercard?
Since this is a co-branded card, it is best suited for those who are brand loyal to BJ’s and tend to shop there regularly. Although you can earn rewards on other purchases, the highest reward tier is reserved for purchases at BJ’s stores and when you shop using the BJ’s website.
The card could also be a good option for those who want to accumulate rewards for larger shops throughout the year. Even if you don’t visit BJ’s regularly, you can earn rewards with your everyday shopping and then redeem your rewards at BJ’s.
If you are looking for a co-branded shopping card, in the table below you can see some of the alternatives:
Card | Rewards | Bonus | Annual Fee | |
|---|---|---|---|---|
| 1% – 3%
3% cash back at Apple and select Apple pay partners, 2% on other Apple pay purchases, and 1% on all other purchases
| None
None
| $0 | |
| 5%
5% off at Target and selected deals
| None
None
|
$0 | |
| 1-4%
4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
| None
| $0 *
$60 Costco membership fee required
| |
| 1-5%
5% at Amazon.com and Whole Foods Market, 2% cash back on restaurant, gas, and drugstores, 1% cash back on all other purchases
| $150
$150
| $0 | |
| 1-5%
5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
| 5%
5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
| $95 | |
| 2X – 5X
spend $1,200 or more annually to get 5X points per dollar on purchases made at Macy's, 3X points if you spend $500 to $1199 and 2X points if you spend up to $500. Also, get 3X points at restaurants including delivery, 2X at gas stations & supermarkets and 1 point per $1 spent everywhere else
| 20% discount
20% discount on Macy's on the day you are approved and the following day, up to $100
| $0 |
Tips for the BJ’s One+ Mastercard
Although the BJ’s One+ Mastercard is quite straightforward, there are a few tips that can help you get the most from your new card. These include:
-
Sign Up for Easy Renewal
You need to have a BJ’s membership to qualify for this card and if you allow your membership to lapse, you’ll incur a 20% non member surcharge, which will more than negate your card rewards.
So, sign up for Easy Renewal, so your membership will automatically renew and you won’t need to think about it.
-
Top Up Your Tank Every Time You Visit
This should go without saying, but make sure that you call in at the BJ’s Gas every time you visit the store. When you pay with your card, you’ll get a discount per gallon, which will save you even more money.
-
Accumulate Your Rewards
Since your rewards will not expire, why not accumulate them for an occasion when you can get the most value. Keep an eye out for exclusive Bonus Earnings events, when you can not only earn more rewards, but stock up using your accumulated rewards.
FAQs
How hard is it to get a BJ’s One+ Mastercard?
You do need to have good to excellent credit to qualify for this card, but there are no other applicant requirements. So, if you have decent credit, you shouldn’t have any major difficulties getting this card.
When it may not be a good idea?
This card is not a good idea if you don’t shop at BJ’s frequently enough to offset the higher tier membership cost. It is also not a good idea if you don’t tend to spend the most at BJ’s.
If you typically shop elsewhere, there are many other no annual fee credit cards that offer similar or more rewards on your everyday purchases. This could represent greater rewards value for you and you’ll have greater redemption flexibility.
Does the card provide travel insurance?
Unfortunately, while you can access complimentary professional travel services via World Mastercard, the BJ’s One+ Mastercard does not provide travel insurance coverage.
