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 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.
- 5%BJ's
- 2%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 | 2% |
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: 2% 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
- 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
More BJ's One+ Card 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
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 - Redeem Rewards at BJ’s
Use your card rewards toward purchases at BJ’s. Redeem them when shopping in a BJ’s club, on BJs.com or in the BJ’s app. These are the listed BJ’s channels for redeeming rewards.
Checked Oct 7, 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
BJ's One+ vs Other Capital One Cards
- BJ's OneNo 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 qualifying 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.