BJ’s One Mastercard Overview

No matter if you shop occasionally or visit BJ’s all the time, the BJ’s One Mastercard brings more value to your everyday purchases.

Get ready to upgrade how you shop with the BJ’s One Mastercard. Far from being just another card, it opens the door to real savings and helps you stretch every dollar—whether you’re shopping at BJ’s or anywhere else.

And the perks begin right away. As soon as you’re approved, you’ll start collecting valuable rewards on almost every purchase, turning everyday buys into serious benefits. It’s a powerful addition to your wallet that brings excitement to your regular spending!

Explore the Standout Benefits of the BJ’s One Mastercard

1. High-Earning Potential at BJ’s: Get rewarded where it counts. Earn 3% back on most purchases at BJ’s—whether in-store, online, or through the BJ’s app. Best of all? There’s no limit to your earnings, and your rewards stay active as long as your account remains open.
2. Earn on All Other Spending: Savings don’t stop at BJ’s. Use your card anywhere Mastercard is accepted and collect 1.5% back on everything else—restaurants, bills, or online shopping. Every swipe adds to your rewards, turning everyday purchases into steady value.
3. Save on Gas Instantly: Enjoy 10¢ off per gallon at BJ’s Gas when you pay with your BJ’s One Mastercard and scan your membership. Whether you’re commuting or planning a road trip, this everyday savings perk helps ease fuel expenses.
4. No Annual Card Fee (with Membership): There’s no annual fee to carry this card—just maintain an active BJ’s membership. That means more rewards and fewer costs, keeping your budget focused on what matters most.
5. Rewards That Don’t Expire: Your rewards won’t vanish over time. As long as your account stays open, they’re yours to keep—letting you save up for bigger redemptions or use them when it works best for you.
6. Instant Card Lock for Peace of Mind: Lost your card or noticed suspicious activity? Easily lock your card from your phone to prevent unauthorized use. It’s a quick, secure way to stay in control.
7. Flexible Payment Dates: Choose your own due date and manage payments on your terms. This feature helps align your credit card with your budget, making it easier to stay organized and avoid late charges.
8. Free Access to Your Credit Score: Monitor your credit without extra costs. The BJ’s One Mastercard gives you free access to your score, helping you stay informed and make smarter financial moves.

Who’s Eligible to Apply?

To be considered for the BJ’s One Mastercard, applicants typically need to meet these requirements:

• Current BJ’s Membership: You’ll need to have an active BJ’s Wholesale Club membership. The card is specifically designed to enhance your experience and maximize savings at the club.
• Credit Standing: Though Capital One doesn’t provide exact credit requirements, this card—especially the One+ version—is generally intended for those with good to excellent credit (typically 670+). However, some applicants with fair credit (around 620–719) may also qualify for the standard version. It’s wise to review your score before applying.
• Minimum Age: You must be 18 years old or older to apply (19 in Alabama and Nebraska), in line with standard credit card eligibility.
• U.S. Residency Required: Applicants must reside in the United States with a verifiable U.S. address.
• Reliable Income Source: Your application will include an evaluation of your income to ensure you can responsibly handle repayment.
• Clean Credit History: A strong application usually shows no bankruptcies or recent defaults, which could impact approval or rates offered.
• Positive Repayment Track Record: A solid history of on-time payments across existing credit lines supports your application and improves your chances.
• Established Credit Use: For top-tier card approval, it may help to have a credit card or loan account open for three years or more, with a limit or original balance of $5,000+.

How to Apply

Getting started with the BJ’s One Mastercard is simple. Here’s how you can begin your application:

• Apply Online: Head over to the Capital One website and locate the BJ’s One Mastercard page. Click on “Apply Now” to start the process securely.
• Apply In-Store: You can also apply in person by visiting your local BJ’s Wholesale Club and speaking with a team member at the Member Services Desk.
• Submit Your Details: Be prepared to provide some personal and financial information, including:
  – Full legal name and residential address
  – Date of birth
  – Social Security Number (SSN)
  – Contact details (email and phone number)
  – Your BJ’s membership number
  – Employment and income information
  – Housing status (own or rent)
• Double-Check and Submit: Before submitting, take a moment to confirm all your details are correct.
• Get a Quick Response: Many applicants receive a decision right away. If your application needs further review, you’ll be contacted with updates by mail or email.

Frequently Asked Questions

Below are some common questions about the BJ’s One Mastercard:

Do my rewards ever expire?
No. As long as your account remains open, your BJ’s One Mastercard rewards won’t expire. This lets you build them up over time and use them when it works best for you.

How can I use my rewards?
Your rewards can be applied at checkout in BJ’s clubs, through the BJ’s website, or in the mobile app. You’ll need at least $10 in rewards to start redeeming.

Is this card valid outside of BJ’s stores?
Yes! The BJ’s One Mastercard is issued by Capital One and can be used anywhere Mastercard is accepted. This means you can earn rewards no matter where you shop.