Capital One
BJ's One Benefits, Credits & 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.
- 3%BJ's
- 1.5%Everything Else
Maintained by Creddy Editorial · Catalog checked Oct 7, 2026
BJ's One at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Capital One
- Rewards:
- Cash Back
BJ's One Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 1.5% |
Bonus category rates for this card are still being added.
Who Should Get the BJ's One?
The BJ's One fits people who want one flat rate: 1.5% on every purchase. It has no annual fee, so it costs nothing to keep.
Is the BJ's One Worth It?
The BJ's One has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
BJ's One Statement Credits and When They Reset
- 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
More BJ's One Card Benefits
Bonus Earnings
- 1.5% 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 - 3% 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
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 - Rewards redemption at BJ’s
Use your card rewards toward purchases at BJ’s. Redeem them when shopping in-club, on BJs.com, or in the BJ’s app; these redemption options are for BJ’s purchases, not purchases at other merchants.
Checked Oct 7, 2026
BJ's One vs Other Capital One Cards
- BJ's One+No annual fee
- Capital One QuicksilverNo annual fee
- Capital One SavorNo annual fee
- Capital One VentureOneNo annual fee
Related credit card guides
How to Track Credit Card Benefits Without a Spreadsheet
Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.
How Credit Card Statement Credits Actually Reset
Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.
How to Calculate Credit Card Value vs. the Annual Fee
Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.
BJ's One FAQs
Is the Bjs One Mastercard worth the annual fee?
Compare BJ's One's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits can Creddy track for BJ's One?
Creddy's September 26, 2026 catalog check found no trackable benefit records for BJ's One. That describes Creddy's tracking coverage, not the card's full rewards, insurance or issuer benefits. Review the earning tables and the exact issuer terms for those separate features.
What is the annual fee for the Bjs One Mastercard?
Capital One lists no annual fee for the BJ's One card, but a BJ's membership is required and its cost is separate. Include the applicable membership expense when comparing total cost. Checked September 26, 2026; confirm your membership and account terms.
Does the Bjs One Mastercard come with a welcome bonus?
Welcome offers for BJ's One can change and may depend on your application or account history. Check Capital One's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Bjs One Mastercard?
BJ's One may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Bjs One Mastercard compare to other Capital One cards?
Compare BJ's One with other Capital One cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.