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 who want to earn 5% back on BJ's purchases and 2% back everywhere else, plus 15 cents off per gallon at BJ's Gas.
Maintained by Creddy Editorial · Catalog checked Sep 14, 2026
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Everything else | 5% |
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
- 2% Back in Rewards on Purchases Everywhere Else2%
Earn 2% back in rewards on everyday purchases made outside of BJ's wherever Mastercard is accepted. No category restrictions apply - just use your card and rewards add up automatically.
Checked Sep 3, 2026 - 5% Back in Rewards at BJ's5%
Earn 5% back in rewards on eligible purchases at BJ's clubs, BJs.com, and the BJ's app. Pay with your BJ's One+ Mastercard at the front-end register or checkout online. Redeemed rewards, returns, and refunds are subtracted from the qualifying purchase amount.
Checked Sep 3, 2026
Statement Credits
- 15¢ Off Per Gallon at BJ's Gas$0.15
Receive an instant discount of 15¢ off each gallon of fuel at BJ's Gas when you use your BJ's One+ Credit Card to pay for your fuel purchase and scan the BJ's membership card/app as required. Not an annual flat statement credit.
Checked Sep 14, 2026
Fees & Miscellaneous
- No Annual Fee$0 / yr
There's no annual fee to carry or use this card. You keep the card at no cost, so every reward you earn is pure value with nothing subtracted for card membership.
Checked Sep 3, 2026 - Rewards Never Expire
Rewards you earn never expire as long as your account stays open. There's no rush to redeem - your balance waits for you whenever you're ready to use it.
Checked Sep 3, 2026
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+ 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.