BJ’s One® Mastercard® – Full Benefits, Costs, and How to Apply

BJ’s One® Mastercard®: Power your membership with more rewards every time you shop and save.

The BJ’s One® Mastercard® isn’t just a credit card—it’s a valuable extension of your BJ’s Wholesale Club membership. Built to reward everyday spending where it matters most, this card offers exclusive savings on gas, groceries, and more. Whether you shop in-club or online, it turns each purchase into a new way to save.

If you’re a frequent BJ’s shopper looking to streamline your spending and enjoy added perks, this card may be the perfect fit for your wallet. Let’s take a closer look at what makes the BJ’s One® Mastercard® worth considering.

CREDIT CARD

BJ’s One® Mastercard®

Rewards never expire No annual fee

APPLY NOW You will be redirected

Key Benefits of the BJ’s One® Mastercard®

Here’s what you get when you carry this exclusive card:

• No Annual Fee: Keep more money in your pocket without a yearly charge—just maintain an active BJ’s membership.
• Fuel Savings at BJ’s Gas®: Save money at the pump every time you fill up with your card at participating BJ’s Gas® stations.
• Rewards on BJ’s Purchases: Earn rewards on eligible in-club, online, and curbside pickup purchases at BJ’s.
• Daily Rewards Outside BJ’s: Use your card anywhere Mastercard® is accepted and earn ongoing rewards on most everyday purchases.
• Digital Account Access: Manage your card with ease using the Capital One mobile app—view transactions, make payments, and track your rewards.
• Zero Foreign Transaction Fees: Shop internationally or online from foreign retailers without extra charges.
• Security and Protection: Get peace of mind with Mastercard® Zero Liability for unauthorized transactions and fraud alerts.

These features are especially useful for families and frequent shoppers who value simplicity, savings, and seamless digital tools.

Fees and Costs to Consider

While the BJ’s One® Mastercard® is fee-friendly, it’s important to understand the overall costs:

• Annual Fee: $0 (as long as your BJ’s membership is active)
• Balance Transfer Offer: Not included—this card is not designed for consolidating debt.
• Foreign Transaction Fees: None
• Interest Rates: Variable APR applies to purchases and balances, based on creditworthiness.

This card is designed for spending and saving, not for balance transfers or carrying large balances.

Who Qualifies for the BJ’s One® Mastercard®?

To be eligible for this card, applicants must meet the following:

• Be at least 18 years old (19 in some states)
• Have a valid Social Security Number or ITIN
• Maintain an active BJ’s Inner Circle® or BJ’s One® membership
• Have a fair to good credit score (recommended)
• Provide proof of income and a valid U.S. mailing address

BJ’s members who consistently shop at the club and want extra value from their purchases are ideal candidates.

How to Apply for the BJ’s One® Mastercard®

Getting started is easy and secure. Follow these steps:

1. Go to the official Capital One BJ’s One® Mastercard® page:
   https://www.capitalone.com/credit-cards/bjs-wholesale-club
2. Click “Apply Now.”
3. Enter your BJ’s membership information.
4. Fill out the secure application form with your personal and financial details.
5. Review the terms and submit your application.
6. Wait for a quick decision—many applicants get instant results.

Once approved, your card will be mailed to you and ready to use at BJ’s and beyond.

Final Thoughts

The BJ’s One® Mastercard® is a smart companion for anyone who already shops at BJ’s and wants to get more from every purchase. From fuel discounts and digital convenience to year-round rewards, it’s built to amplify your shopping experience while keeping costs low.

If you’re looking for a no-annual-fee card that fits perfectly into your everyday routine, the BJ’s One® Mastercard® might just be your best next move.

Apply today and start turning your BJ’s membership into everyday savings and rewards!

CREDIT CARD

BJ’s One® Mastercard®

Rewards never expire No annual fee

APPLY NOW You will be redirected

Frequently Asked Questions