Capital One
BJ's One benefits and annual fee
No annual fee · Earns Cash Back
The BJ's One Mastercard is a no-annual-fee co-branded card for BJ's Wholesale Club members, offering cash back on BJ's purchases and everyday spending, plus a per-gallon discount at BJ's Gas.
Maintained by Creddy Editorial · Catalog checked Sep 3, 2026
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 3% |
Bonus category rates for this card are still being added.
How to evaluate this card
Compare the annual fee with benefits you can realistically use. Check enrollment requirements, merchant restrictions, reset timing, and the issuer's current terms before applying. Creddy shows face values for planning, but usable value depends on your account and spending.
Benefits
Bonus Earnings
- Rewards Earning at BJ's (BJ's One)3%
Earn 3% back in rewards on eligible purchases at BJ's, whether you shop in-club at front-end registers, on BJs.com, or through the BJ's app. Pay with your BJ's One Mastercard to qualify. Rewards, returns, and refunds are subtracted before rewards are calculated.
Checked Sep 3, 2026 - Rewards Earning Outside BJ's (BJ's One)1.5%
Earn 1.5% back in rewards on everyday purchases made anywhere outside of BJ's when you pay with your BJ's One Mastercard. Returns, refunds, and credit adjustments are subtracted before rewards are calculated.
Checked Sep 3, 2026
Statement Credits
- Gas Discount at BJ's Gas$0.1
Get 10¢ off every gallon at BJ's Gas stations. Pay with your BJ's One Mastercard and scan your membership card at the pump to apply the discount automatically. The savings drop to 10¢ per gallon for BJ's One and rise to 15¢ per gallon for BJ's One+ cardholders.
Checked Sep 3, 2026
Fees & Miscellaneous
- No Annual Fee$0 / yr
There's no annual fee to open or keep the BJ's One Mastercard - $0, year after year.
Checked Sep 3, 2026 - Rewards Never Expire
Rewards you earn with the card never expire as long as your account remains open. Cash them in whenever it suits you - there's no deadline to use what you've accumulated.
Checked Sep 3, 2026
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BJ's One questions
- Is the BJ's One worth its annual fee?
- Compare the current annual fee with the benefits and rewards you would actually use. A listed credit has less value if its restrictions do not fit your spending.
- What benefits does the BJ's One include?
- No trackable benefits are currently listed for this card. Check Capital One's current card terms for coverage.
- What is the BJ's One annual fee?
- Creddy's catalog currently lists no annual fee. Confirm current pricing with Capital One before applying or renewing.
- Does the BJ's One have a welcome offer?
- Offers change and can depend on eligibility. Check Capital One's current application terms for the available bonus, spending requirement and deadline.
- Who might benefit from the BJ's One?
- It may fit someone whose normal spending matches its earning rates and who can use enough listed benefits to justify the fee. Compare alternatives before applying.
- How does the BJ's One compare with other Capital One cards?
- Compare annual fees, earning rates and benefits across the Capital One cards in Creddy's catalog. The right choice depends on your spending and which perks you can use.