BJ’s One Mastercard Review

The BJ’s One Mastercard is simple, practical, and packed with perks—perfect for anyone who loves squeezing every bit of value out of their BJ’s membership.

The BJ’s One Mastercard is more than just a credit card—it’s your ultimate sidekick for saving big at BJ’s! If you’re already stocking up on groceries, household essentials, or filling your tank at BJ’s Gas, this card takes those savings to the next level. No boring fine print here—just real rewards that actually matter for your everyday life.

With every swipe, you’re getting more value back, especially on those big BJ’s runs where carts are overflowing. And when it comes to gas? That’s where this card really shines, putting extra money right back in your pocket every time you fill up. Even outside BJ’s, you’ll still earn rewards, making it a card that works hard wherever you shop.

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

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Detailed Product Specifications and Benefits

• Rewards Structure:
  • 3% Back: Cardholders accrue rewards equivalent to 3% cash back on most eligible purchases made at BJ’s physical clubs, through the BJs.com website, and via the BJ’s mobile application.
  • 1.5% Back: Cardholders accrue rewards equivalent to 1.5% cash back on all other eligible purchases made at merchants outside of BJ’s where Mastercard is accepted.
  • $0.10 Per Gallon Discount: Cardholders receive an instant discount of 10 cents per gallon on fuel purchases made at BJ’s Gas® when paying with the card.
• Rewards Redemption:
  • Rewards are accrued as electronic awards.
  • Once a cardholder accumulates at least $10 in rewards, an award for that amount is issued to their BJ’s membership account.
  • These awards can be redeemed as a discount on purchases at the point of sale in any BJ’s club or on BJs.com.
  • Awards do not expire as long as the BJ’s membership remains active and in good standing.
• Fee Structure:
  • Annual Credit Card Fee: $0.
  • Required Membership Fee: The card requires the holder to maintain a paid BJ’s “The Club Card” Membership, which has its own separate annual fee (currently $55).
  • Foreign Transaction Fee: $0. This card does not charge a fee for purchases made in a foreign currency.
  • Late Payment Fee: Up to $40.
  • Annual Percentage Rate (APR): A variable APR applies to purchases.
• Additional Cardholder Benefits:
  • World Mastercard Program: The card includes access to benefits from the World Mastercard program, which may include statement credits for select services like Lyft and complimentary memberships to services like ShopRunner.
  • Digital Account Management: The account is serviced by Capital One and can be managed through the Capital One website and mobile application, which includes features like account alerts and the ability to lock the card.
  • Authorized Users: Cardholders can add authorized users to the account at no additional cost.

Who Can Apply: Eligibility Criteria

To be eligible to apply for the BJ’s One Mastercard, an individual must satisfy the following requirements:

• BJ’s Membership: The applicant must be a current member in good standing of a BJ’s “The Club Card” Membership plan.
• Credit History: The card is intended for applicants with a credit history that is considered good to excellent. A FICO score of 670 or higher is generally recommended for the highest approval odds.
• Age: The applicant must be at least 18 years of age.
• Residency: The applicant must be a legal resident of the United States.
• Identification: The applicant must have a valid Social Security Number.

How to Apply for BJ’s One Mastercard: The Application Process

The application for the BJ’s One Mastercard can be initiated through several channels.

1. Online Application: The primary method is through the secure online application portal, which is accessible via the BJ’s or Capital One websites.
2. In-Club Application: Applicants can also apply in person at the Member Services desk inside any BJ’s Wholesale Club location.
3. Prequalification: The online application portal includes a pre-approval tool. This allows a prospective applicant to check their likelihood of approval and their potential credit limit with a soft credit inquiry, which does not impact their credit score.
4. Full Application Submission: To formally apply, the applicant must agree to the terms and submit their full application, which authorizes Capital One to perform a hard credit inquiry. A credit decision is often provided instantly.

Frequently Asked Questions

• What is the official name of the rewards earned?
  The rewards are officially referred to as “awards” and are denominated in U.S. dollars. They function as a cash equivalent that can only be redeemed at BJ’s.
• Are there specific items at BJ’s that are excluded from earning 3% back?
  Yes, the terms and conditions specify a number of exclusions. These typically include, but are not limited to, gasoline, gift cards, lottery tickets, tobacco products, alcoholic beverages, and certain other services.
• What happens to the credit card if I cancel my BJ’s membership?
  Your BJ’s One® Mastercard® is contingent upon your membership. If you cancel your BJ’s membership, your credit card account may be closed, or the terms may change. You should refer to your cardholder agreement for the specific details. Additionally, you would lose any accumulated rewards.
• What is the difference between this card and the BJ’s One+ Mastercard?
  The BJ’s One+ Mastercard is a higher-tier product that requires the more expensive “The Club+ Card” membership. In exchange for the higher membership fee, it offers a better rewards structure: 5% back at BJ’s, 2% back everywhere else, and a 15¢ per gallon discount on gas.

CREDIT CARD

BJ’s One Mastercard

3% Back in Rewards Rewards never expire

APPLY NOW You will be redirected