BJ’s One Mastercard: Earn on Everyday Spending

Whether you're a frequent shopper or an occasional visitor, this card helps stretch your budget further—one purchase at a time.

The BJ’s One Mastercard isn’t just another credit card—it’s a shopping companion that rewards your loyalty with consistent value. Built for those who want to make the most of their BJ’s membership, this card offers a seamless blend of savings and practicality every time you use it.

From groceries and gas to digital buys and dining out, your everyday purchases now come with an added bonus.

What Makes the BJ’s One Mastercard Unique?

• Boosted Earnings at BJ’s Clubs: Enjoy 3% back on nearly everything you buy at BJ’s, whether in-store, on the website, or through the mobile app. Rewards accumulate with no earning cap and stay valid as long as your account remains active.
• 1.5% Back Everywhere Else: Every purchase counts. Outside of BJ’s, you’ll still receive 1.5% back on eligible transactions at restaurants, on bills, or while shopping online. The more you use it, the more you earn.
• Instant Fuel Discounts: Save 10¢ per gallon every time you fuel up at BJ’s Gas using your BJ’s One Mastercard and active membership. Ideal for drivers looking to save on their daily commute or long trips.
• No Annual Cost With Membership: There’s no annual fee tied to the card itself—just maintain your BJ’s Wholesale Club membership to unlock its benefits and keep things simple.
• Keep Rewards as Long as You’d Like: There’s no pressure to use your rewards right away. As long as your account stays open and active, your cashback remains available for redemption at your convenience.
• Card Lock in Seconds: Misplaced your card? You can freeze it instantly using the Capital One app, protecting your account from unauthorized use until it’s found or replaced.
• Pick Your Due Date: Choose the payment date that works best for your lifestyle. This flexibility makes it easier to manage bills and avoid missed payments.
• Free Credit Score Tracking: Track your credit status at no additional cost. Staying aware of your financial standing helps you make better decisions as you go.

Who Can Apply for the BJ’s One Mastercard?

To qualify, make sure you meet the following basic requirements:

Active Membership Required
You must have a current BJ’s Wholesale Club membership, as the card is exclusive to members and designed to enhance the overall BJ’s experience.

Credit Profile Expectations
While exact requirements vary, a good credit score (around 670 or higher) improves your chances for the BJ’s One+ version. Applicants with fair credit may still qualify for the standard card.

Minimum Age and Residency
You must be at least 18 years old (19 in Alabama or Nebraska) and a legal U.S. resident with a valid mailing address.

Steady Income and Credit Behavior
Applicants should have reliable income and a history of responsible borrowing. Clean credit reports and a track record of timely payments improve approval odds.

Established Credit History
To boost your chances for the premium version, having older accounts or higher credit lines on file can help demonstrate financial reliability.

How to Get Started with Your Application

Apply Online
Visit the Capital One website, locate the BJ’s One Mastercard page, and hit “Apply Now” to begin your secure application.

Apply at a BJ’s Location
Prefer face-to-face? You can also apply in person by speaking with a team member at your local BJ’s Wholesale Club.

Information You’ll Need
When applying, be ready to submit the following:

• Your full name and address
• Date of birth and Social Security Number
• Contact details (email and phone)
• BJ’s membership number
• Employment and income information
• Housing status (own or rent)

Submit & Wait for Approval
Double-check your details before sending in your application. In many cases, you’ll get a response within minutes. If more time is needed, they’ll reach out via email or regular mail.

Common Questions Answered

Will my rewards expire?
No. As long as your account remains open, your earned rewards won’t expire, allowing you to save them up for larger redemptions later.

Where can I use my rewards?
Rewards can be applied during checkout at BJ’s club locations, on BJs.com, or through their mobile app. A minimum balance of $10 in rewards is required to redeem.

Can I use this card outside of BJ’s?
Yes! Issued by Capital One, the BJ’s One Mastercard is accepted anywhere Mastercard is used—giving you the freedom to earn even when shopping beyond BJ’s.