BJ's One+® Mastercard® Review: Rewards, Fees & Benefits

Rewards

Reward TypeCash Back

Base Rate2x / 2%

Bonus RateUp to 5x

ExpirationRewards never expire for the life of the account

Redemption NotesMinimum $10 rewards balance required to redeem; minimum eligible purchase amount is $10 at BJ's checkout; rewards can only be redeemed at BJ's in-club, on BJs.com, or in the BJ's app — not as general cash back

Category	Rate	Type	Cap
BJ's Purchases 5% back in rewards on eligible purchases in-club at BJ's front-end registers, on BJs.com, or in the BJ's app. Excludes eye exams, shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco products, lottery tickets, gift cards, propane, BJ's Gas®, online optical purchases, membership fees and add-ons, warranties and protection plans, and BJ's third-party services (e.g., BJ's Travel®). Minimum $10 rewards balance required to redeem; minimum eligible purchase is $10.	5x	Cash Back	No cap
All Other Purchases 2% back in rewards on all purchases made outside of BJ's anywhere Mastercard is accepted. Purchases at BJ's clubs, BJ's Gas®, BJs.com, BJ's app, and BJ's B2B and Global Sales transactions are excluded from this category.	2x	Cash Back	No cap
BJ's Gas® Instant discount of 15¢ off per gallon at BJ's Gas® when card is used to pay and associated BJ's membership card is scanned. BJ's Gas purchases do not earn rewards points. In MD and NJ, discount is applied after sale and before payment. Subject to applicable state law restrictions.	0.15x	Cash Back	No cap

Benefits & Protections

No Foreign Fees

Concierge Service

Benefit	Category	Value / Coverage
Autopay Schedule automatic payments through the Capital One Mobile app to ensure payments are never missed.	Financial	Complimentary
Flexible Payment Due Date Cardholders can choose their own monthly payment due date, giving them control over when payments are made each month.	Financial	Complimentary
No Annual Fee There is no annual fee to open or maintain the BJ's One+® Mastercard® account.	Financial	$0 annual fee Up to $0
No Foreign Transaction Fees Capital One charges no foreign transaction fees on purchases made outside the United States, making this card suitable for international use.	Financial	$0 foreign transaction fee Up to $0
Capital One Mobile App — Account Management Manage the account, access a virtual card, check balances, view transactions, and more through the award-winning Capital One Mobile app.	Lifestyle	Complimentary
Mastercard Concierge Service As a World Mastercard, cardholders have access to Mastercard's concierge service for assistance with travel, dining, entertainment reservations, and more.	Lifestyle	Complimentary
Mastercard Global Service® World Mastercard benefit offering 24/7 global assistance for emergencies including lost or stolen card replacement, emergency cash advances, and travel assistance worldwide.	Lifestyle	Complimentary
Mastercard Priceless® Experiences World Mastercard benefit providing access to curated Priceless Experiences including exclusive dining, entertainment, sports, and cultural events via priceless.com/capitalone.	Lifestyle	Complimentary access
15¢ Off Per Gallon at BJ's Gas® Receive an instant 15¢ off per gallon discount at BJ's Gas® when the card is used to pay and the associated BJ's membership card is scanned at the pump. Discount applied after sale in MD and NJ per state law.	Rewards	$0.15/gallon discount
2% Back Everywhere Else Earn 2% back in rewards on all purchases made outside of BJ's anywhere Mastercard is accepted, with no cap on earnings.	Rewards	2% cash back
5% Back at BJ's Earn 5% back in rewards on eligible purchases made in-club at BJ's front-end registers, on BJs.com, or in the BJ's app. Excludes gas, alcohol, tobacco, lottery tickets, gift cards, membership fees, and BJ's third-party services.	Rewards	5% cash back
Rewards Never Expire Rewards earned with the card are yours for the life of the account and never expire as long as the account remains open.	Rewards	No expiration
Card Lock Cardholders can instantly lock their card via the Capital One Mobile app if it is misplaced, lost, or stolen, preventing new purchases.	Security	Complimentary
Mastercard ID Theft Protection™ Mastercard World benefit that monitors cardholders' personal information and alerts them to potential identity theft activity.	Security	Complimentary
Zero Fraud Liability Cardholders are not responsible for unauthorized purchases made with their card, provided fraudulent activity is reported promptly.	Security	$0 liability Up to $0

Interest Rates

Purchase APR19.99%–29.99% Variable

Balance Transfer APR29.99%

Cash Advance APR29.99%

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer Fee3% of the amount of each transfer

Cash Advance Fee3% of the amount of each cash advance, but not less than $10

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Student EligibleYes

Co-ApplicantNot allowed

Business EligibleNo

Credit Limit Range $500 – No limit listed

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive cash advances, misuse of rewards program, multiple applications within 6 months, high revolving utilization across all Capital One accounts, suspicious purchase patterns flagged by fraud detection

Cliff Effect Rules

The BJ's One+® Mastercard® and BJ's One® Mastercard® are membership-tier-linked cards — cardholders on the Club Card membership level are eligible only for the BJ's One® (3% card), while Club+ membership holders are eligible for the BJ's One+® (5% card). Downgrading BJ's membership automatically triggers a card downgrade to the BJ's One® Mastercard®; the two cards are treated as a single co-brand family by Capital One.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Capital One generally limits personal cardholders to 5 open personal credit cards at a time and typically approves no more than one new Capital One card every 6 months. The BJ's One+® Mastercard® has no published bonus cooldown restriction specific to this co-brand card, as it does not currently advertise a welcome bonus; eligibility for the card is also gated by a required active BJ's Club+ membership, which is independently purchased and renewed annually.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

SCRA Benefits

Interest rate capped at 4% (below the federal 6% SCRA minimum) on eligible pre-service balances for active duty servicemembers; no fees assessed except bona-fide insurance. Retroactive SCRA adjustments issued by check if applicable.

Hardship Program

Hardship program available.

BJ's One+® Mastercard®