| Category | Rate | Type | Cap |
|---|---|---|---|
|
BJ's In-Club and Online Purchases
3% back on eligible in-club, BJs.com, and BJ's app purchases. Excludes gas, membership fees, gift cards, alcohol, tobacco, lottery, propane, optical, warranties, and third-party BJ's services. Uncapped.
|
3x | Cash Back | No cap |
|
All Other Purchases
1.5% back on all non-BJ's purchases anywhere Mastercard is accepted. BJ's club, gas, app, and B2B transactions excluded. Uncapped.
|
1.5x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Autopay
Cardholders can schedule automatic payments through the Capital One Mobile app or online to ensure on-time payments and avoid late fees.
|
Financial | Complimentary |
|
Flexible Payment Due Date
Cardholders can select their own monthly payment due date, giving control over when payments are made each billing cycle.
|
Financial | Complimentary |
|
No Annual Fee
The BJ's One® Mastercard® carries no annual fee to open or maintain the credit card account.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fees
Capital One charges no foreign transaction fees on the BJ's One® Mastercard® for purchases made outside the United States. Foreign currency transactions are automatically converted to U.S. dollars at the Mastercard network exchange rate with no additional currency conversion fee charged by Capital One.
|
Financial |
$0
Up to $0
|
|
Capital One Mobile App Account Management
Access and manage the BJ's One® Mastercard® account 24/7 via the Capital One Mobile app, including viewing balances, transaction history, virtual card access, payment scheduling, card lock, and customizable account alerts. Web access is required; service provider fees may apply.
|
Lifestyle | Complimentary |
|
Mastercard World Digital Merchant Offers
Exclusive offers with popular digital brands on everyday, time-saving products and services available to World Mastercard cardholders. Offers and terms are available at mastercard.us/worldoffers.
|
Lifestyle | Varies by offer |
|
Priceless Experiences Access
As a World Mastercard cardholder, access to Mastercard Priceless Experiences including unique dining, entertainment, and lifestyle events available through priceless.com/capitalone.
|
Lifestyle | Complimentary access |
|
1.5% Back on Non-BJ's Purchases
Earn 1.5% back in rewards on all purchases made outside of BJ's anywhere Mastercard is accepted, minus any returns, refunds, or credit adjustments. Purchases at BJ's clubs, BJ's Gas, BJs.com, the BJ's app, and B2B/Global Sales transactions are excluded from the outside-BJ's category.
|
Rewards | 1.5% back |
|
3% Back on BJ's In-Club Purchases
Earn 3% back in rewards on eligible purchases of goods and services in-club at BJ's front-end registers, on BJs.com, or in the BJ's app when paying with the BJ's One® Mastercard®. Excludes eye exams, shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes, tobacco, lottery tickets, gift cards, propane, BJ's Gas, online optical, membership fees, warranties, protection plans, and BJ's third-party services.
|
Rewards | 3% back |
|
Flexible Rewards Redemption
Rewards can be redeemed in-club at BJ's checkout, on BJs.com, or in the BJ's app. A minimum balance of $10 in rewards is required to redeem, and the minimum eligible purchase amount is $10 at BJ's checkout.
|
Rewards | Complimentary |
|
Instant Gas Discount at BJ's Gas
Receive an instant discount of 10¢ off each gallon of fuel at BJ's Gas® when using the BJ's One® Mastercard® to pay for a fuel purchase and scanning the associated BJ's membership card. BJ's Gas purchases do not earn rewards. Subject to applicable state law restrictions; in MD and NJ, the discount is applied after the sale.
|
Rewards | 10¢/gallon off |
|
Rewards Never Expire
Rewards earned with the BJ's One® Mastercard® never expire and are yours for the life of the account. There is no cap on the amount of rewards that can be earned on eligible purchases.
|
Rewards | Complimentary |
|
$0 Fraud Liability
Cardholders are not responsible for unauthorized charges made on their account. Capital One's zero fraud liability policy applies to all unauthorized transactions reported promptly.
|
Security | $0 liability |
|
Account Alerts and Instant Purchase Notifications
Cardholders can set up customizable transaction alerts and instant purchase notifications through the Capital One Mobile app to monitor account activity and detect unauthorized charges quickly.
|
Security | Complimentary |
|
Card Lock
Cardholders can instantly lock their BJ's One® Mastercard® through the Capital One Mobile app if the card has been misplaced, lost, or stolen. Some activity may continue, including returns, credits, payments, interest, dispute adjustments, and certain other exempted transactions.
|
Security | Complimentary |
|
Mastercard ID Theft Protection™
Monitors the surface, dark, and deep web for compromised credentials and potentially damaging use of registered personal information, and provides resolution services if the cardholder is a victim of identity theft. Includes single-bureau credit monitoring (TransUnion), high-risk transaction monitoring, dark web monitoring, fraud alert placement, self-service resolution kit, and access to resolution specialists. Enrollment required at mastercardus.idprotectiononline.com.
|
Security | Complimentary |
|
Virtual Card Numbers via Eno
Capital One's Eno assistant can generate virtual card numbers for online purchases, helping protect the actual card number from exposure during digital transactions.
|
Security | Complimentary |
|
Mastercard Airport Concierge™
Provides 15% savings on Airport Meet and Greet services, with a personal dedicated agent available to escort the cardholder through the airport on departure, arrival, or connecting flights at over 700 destinations worldwide, 24/7/365. Available at certain airports for expedited security and/or immigration processing. Book via mastercard.com/airportconcierge.
|
Travel | 15% savings on Meet & Greet |
|
Mastercard Global Service™
Provides 24/7 worldwide assistance for lost or stolen card reporting, emergency card replacement, and emergency cash advance. In the U.S. and Canada, call 1-800-307-7309; toll-free numbers available in 80+ countries. Emergency card replacement is available the next business day in the U.S. and within two business days almost everywhere else.
|
Travel | Complimentary |
|
Mastercard Travel & Lifestyle Services
As a World Mastercard cardholder, provides access to a lifestyle manager 24/7 to help plan travel, including hotels, air travel, tours, cruises, car rentals, and more. Includes the Mastercard Lowest Hotel Rate Guarantee (refund of the difference if a lower rate is found online before the stay, submitted at least 72 hours before check-in) and Mastercard Hotel Stay Guarantee (resolution assistance or comparable accommodations if problems arise during a 3-star or higher hotel stay booked through the service). Provided by Ten Lifestyle Group plc.
|
Travel | Complimentary |
