Shopping in bulk is all about savings—and the BJ’s One® Mastercard® takes that idea even further. Designed exclusively for BJ’s Wholesale Club members, this credit card helps you turn routine shopping into everyday rewards. Whether you’re filling your cart with pantry staples or fueling up the family car, this card was built to stretch your budget without adding any extra stress.
If you’re a frequent BJ’s customer looking to boost your membership benefits, the BJ’s One® Mastercard® is a reliable and cost-effective companion for your daily expenses.
BJ’s One® Mastercard®
Rewards never expire No annual feeWhat Are the Benefits of the BJ’s One® Mastercard®?
This card is packed with features tailored to BJ’s members:
- No Annual Fee – Get all the perks without paying a yearly charge (just keep your BJ’s membership active).
- Savings at BJ’s Gas® – Receive exclusive discounts at the pump, which adds up quickly for commuters and large families.
- Rewards on Club Purchases – From online orders to in-club shopping and curbside pickup, eligible purchases earn you rewards.
- Earn Beyond BJ’s – Use your card anywhere Mastercard® is accepted and earn rewards on daily expenses like dining, shopping, or streaming services.
- Easy Digital Access – Manage everything from payments to tracking your rewards using Capital One’s mobile app or website.
- No Fees Abroad – Shop or travel outside the U.S. without worrying about foreign transaction charges.
- Built-In Security – Enjoy Mastercard®’s protection against unauthorized purchases, giving you added peace of mind.
These benefits work together to reward your lifestyle and give your BJ’s membership extra value.
Costs and Considerations
The BJ’s One® Mastercard® is designed to be user-friendly and low-cost, but here’s what to keep in mind:
- Annual Fee: None (as long as you’re an active BJ’s member)
- Intro Offers: This card does not currently offer special APRs for balance transfers or purchases.
- Purchase APR: Variable, depending on your credit history
- Foreign Transaction Fees: None
- Late Payment Fees: May apply if you miss a payment
Overall, this card is best for spending, not for managing existing credit card debt.
Who Is Eligible for the BJ’s One® Mastercard®?
You may qualify for this card if you meet the following basic requirements:
- Be 18 years or older (or 19, depending on your state)
- Have a valid Social Security Number or Individual Taxpayer Identification Number
- Be a current BJ’s Wholesale Club member (Inner Circle® or BJ’s One®)
- Have a stable income and U.S. mailing address
- Possess a fair or better credit score
If you’re already shopping at BJ’s regularly, this card is made with you in mind.
How to Apply for the BJ’s One® Mastercard®
Applying is quick and secure. Here’s how to do it:
- Visit the official Capital One BJ’s credit card page
- Click on “Apply Now”
- Enter your BJ’s membership information
- Provide basic personal and financial details
- Submit the application and wait for a decision—many receive a response in minutes
- If approved, your card will be mailed and ready to activate
Using the online application ensures you get the most accurate offer and the fastest approval process.
Should You Get This Card?
If BJ’s is already part of your shopping routine, why not make every trip more rewarding? The BJ’s One® Mastercard® brings together convenience, real savings, and smart digital tools. With no annual fee and exclusive perks at the club and gas station, this card supports your spending habits without adding complexity.
From groceries and household items to everyday expenses, this card helps you save a little more each time. Plus, with Capital One’s trusted digital platform and Mastercard®’s security, it’s a smooth experience from start to finish.
Start making your membership work harder—apply for the BJ’s One® Mastercard® and unlock new ways to save today.
BJ’s One® Mastercard®
Rewards never expire No annual feeFrequently Asked Questions
What determines the starting credit limit for the BJ’s One® Mastercard®?
Your initial credit limit is based on factors such as your income, credit history, and overall financial profile at the time of application.
Do I need to be a BJ’s member before applying for the BJ’s One® Mastercard®?
Yes, only active BJ’s Inner Circle® or BJ’s One® members are eligible to apply for this credit card.
How is the purchase APR set for the BJ’s One® Mastercard®?
The interest rate for purchases is variable and depends on your creditworthiness, as well as market conditions like the Prime Rate.
Why does my interest rate change over time?
Your APR is tied to the Prime Rate, which fluctuates based on economic factors. As this rate goes up or down, your variable APR will adjust accordingly.
When do interest charges begin on cash advances and transfers?
Interest starts accruing immediately on cash advances and balance transfers—there’s no grace period, so charges begin from the transaction date.
