The BJ’s One Plus Mastercard

Turn Everyday Shopping Into Unstoppable Savings and Effortless Rewards

The BJ’s One Plus Mastercard is designed for shoppers who believe loyalty should pay off in real value. Created exclusively for BJ’s Wholesale Club members, this credit card turns every trip to the club into an opportunity to earn impressive cashback rewards while enjoying valuable perks that go far beyond the checkout line. Whether you’re filling your cart with household essentials, restocking your pantry, or fueling your car at BJ’s gas stations, this card ensures every dollar works harder for you.

What makes it so special is how seamlessly it integrates with your membership. It doesn’t just complement your BJ’s experience—it amplifies it. You earn more, save more, and enjoy a smoother shopping experience with benefits that stretch across dining, gas, and daily purchases. The BJ’s One Plus Mastercard is the ultimate tool for those who love quality, value, and smart financial rewards—all wrapped into one powerful card.

Top Benefits of the BJ’s One Plus Mastercard

5% Cashback on BJ’s Purchases

Earn a remarkable 5% cashback every time you shop at BJ’s Wholesale Club or BJs.com. From groceries to electronics, this benefit ensures that every dollar you spend brings real returns. Frequent shoppers will find these rewards add up quickly, turning routine spending into a steady stream of savings throughout the year.

2% Cashback on Gas and Dining

Dining out or filling your tank doesn’t have to drain your wallet. The BJ’s One Plus Mastercard gives you 2% back at restaurants and gas stations, putting money back in your pocket while you enjoy the convenience of everyday life.

1.5% Cashback Everywhere Else

Even when you’re not shopping at BJ’s, the rewards keep coming. Earn 1.5% cashback on all other purchases, making this card valuable for every transaction, from travel to online shopping.

Instant Fuel Discounts at BJ’s Gas Stations

In addition to cashback, you can save up to 10¢ per gallon every time you fuel up at a BJ’s gas station. It’s a straightforward, automatic discount that adds up over time—especially for busy families or commuters.

Automatic Reward Redemption

Redeem your rewards easily at checkout. Your cashback can be applied toward future BJ’s purchases without complicated conversions or blackout dates. It’s savings made simple.

No Annual Fee for Members

As long as you maintain your BJ’s membership, there’s no annual fee for the card. That means all the cashback and discounts you earn go directly to your pocket instead of being offset by fees.

World Mastercard Benefits

Enjoy all the standard perks of Mastercard, including purchase protection, zero liability for unauthorized charges, and extended warranty coverage on select purchases—adding an extra layer of security and confidence to your spending.

Exclusive BJ’s Member Offers

Cardholders receive access to member-only savings events, exclusive discounts, and early access promotions. BJ’s often rewards loyal cardholders with additional incentives that make the membership even more valuable.

Who Can Apply for the BJ’s One Plus Mastercard

To qualify for the BJ’s One Plus Mastercard, you must meet the following criteria:

• Be a current BJ’s Wholesale Club member (Inner Circle or higher tier)
• Be at least 18 years old (19 in some states)
• Have a valid U.S. address and Social Security number
• Provide verifiable income to demonstrate your ability to make payments
• Have a fair to good credit score (typically 670 or higher is recommended)

How to Apply

Applying for the BJ’s One Plus Mastercard is quick and straightforward:

1. Visit the BJ’s website or any BJ’s Wholesale Club location.
2. Log into your BJ’s account or provide your membership information.
3. Complete the online application form with your personal and financial details.
4. Review the terms, interest rates, and disclosures.
5. Submit your application for instant or same-day approval.
6. Upon approval, start using your card online and in-store right away.

Frequently Asked Questions

Do I need a BJ’s membership to get this card?

Yes. A valid BJ’s membership is required both to apply for and maintain the BJ’s One Plus Mastercard account.

Is there an annual fee?

There is no annual fee for active BJ’s members, which makes this card even more rewarding.

How are cashback rewards earned?

You earn 5% at BJ’s, 2% on dining and gas, and 1.5% everywhere else. Rewards are tracked automatically and can be redeemed for BJ’s purchases.

Can I redeem my cashback for cash or statement credits?

No. Cashback is redeemable only for eligible purchases at BJ’s, keeping your rewards within the BJ’s ecosystem.

The BJ’s One Plus Mastercard is more than a credit card—it’s a practical rewards system that enhances your BJ’s membership experience from every angle. The high cashback rates on BJ’s purchases, combined with gas and dining rewards, make it a strong choice for families and individuals who value both savings and convenience. The no-annual-fee structure keeps things simple, and the easy reward redemption process ensures you actually benefit from what you earn.