BJ’s One+ Mastercard Review
The BJ’s One+ Mastercard is designed to maximize value for consumers who spend a significant amount within the BJ’s ecosystem.
The BJ’s One+ Mastercard is a credit card designed to make saving easier than ever. Created for BJ’s most loyal shoppers, this card, offered through Capital One, turns your regular shopping trips into a simple and rewarding experience. If your shopping cart is always full at BJ’s, this card is your perfect partner. It helps you earn valuable rewards on all those essential purchases and gives you a welcome discount every time you fill up your car at BJ’s Gas. With no annual fee for the card itself and straightforward benefits, it’s a practical tool for any family looking to stretch their budget further.
Easy Savings for Your Family’s Needs
- Save More at BJ’s: Earn a fantastic 5% back in rewards on most of your purchases at BJ’s. That means you get more back on groceries, paper goods, cleaning supplies, and all the other essentials your family needs.
- Earn on All Other Shopping: The savings don’t stop when you leave the club. You’ll also earn a great 2% back in rewards on all your other purchases, whether you’re dining out, buying clothes, or paying bills.
- A Big Discount on Gas: Enjoy an instant savings of 15¢ per gallon every time you fuel up at BJ’s Gas® and pay with your card. That makes a real difference in the weekly budget!
- No Annual Fee for the Card: You can enjoy all these savings without paying an annual fee for the credit card. (A BJ’s Club+ Card membership is required).
- Rewards That Don’t Expire: You don’t have to worry about losing your rewards. They are good for as long as your membership is active, so you can use them when it’s most convenient for your family.
- Simple to Use Rewards: Once you’ve earned at least $10 in rewards, you can use them right at the checkout at BJ’s to lower the cost of your purchase. It’s that easy!
- Great for Family Vacations: The card has no foreign transaction fees, so it’s a great choice to use for any travel your family does outside the country.
- Manage on Your Phone: The Capital One mobile app makes it easy to track your spending and see how much you’ve saved, right from your smartphone.
Who Can Get This Card?
This card is designed for the most frequent BJ’s shoppers. To apply, you will need:
- A BJ’s Club+ Card Membership: This is the premium BJ’s membership level. You must have this specific membership to be eligible for the One+ card.
- Good Credit: The card is generally for people with good to excellent credit.
- Basic Requirements: You must be at least 18 years old, a U.S. resident, and have a valid Social Security Number.
How to Apply: A Simple Guide
- Join the Right Club: First, make sure you are signed up for a BJ’s Club+ Card membership.
- Apply Online or In-Club: You can fill out the application on the BJ’s website, or you can visit the Member Services desk at your local BJ’s club for help.
- Get a Quick Answer: The application is easy, and you’ll often get a decision from Capital One in just a few minutes.
Questions from a Busy Parent
- What’s the main difference between this card and the other BJ’s card? The BJ’s One+® card is for Club+ members and gives you higher rewards (5% at BJ’s and 15¢ off gas). The standard BJ’s One® card is for Club members and offers lower rewards (3% at BJ’s and 10¢ off gas). If you shop at BJ’s a lot, the higher rewards from the One+ card can easily make the extra cost of the Club+ membership worth it.
- Is it hard to keep track of the rewards? Not at all! It’s one of the easiest programs. The rewards are automatically loaded onto your membership account in $10 increments. The cashier can apply them for you at checkout, or you can do it yourself online.
- Can my spouse get a card on the account too? Yes, your BJ’s membership includes a household member, and they can also apply for their own BJ’s One+® Mastercard® linked to the same membership account.
- Is this a good card to use for all my family’s spending? With a strong 2% rewards rate on all purchases outside of BJ’s, it is a very good and simple choice for an everyday family credit card.
