The BJ’s One® Mastercard® is built for loyal BJ’s shoppers who want straightforward cash back without paying an annual fee. It works best as a store-focused everyday card, especially if a meaningful share of your spending happens at BJ’s, while still giving you a decent flat return everywhere else.
All information about BJ’s One® Mastercard® has been collected independently by MaxRewards. BJ’s One® Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Frequent BJ’s shopping
No-fee everyday spending
Simple cash back
This card is worth a look if you already shop at BJ’s often and want a simple way to earn more back there without adding an annual fee. The main appeal is easy to understand: elevated cash back at BJ’s and BJs.com, plus 1.5% back on everything else, which is solid for a no-fee card tied to a warehouse club.
The tradeoff is that its value depends heavily on how often you use BJ’s. If warehouse club purchases are only occasional for you, the 3% category will not do much to separate this card from other no-annual-fee cash-back options. There are also no listed side benefits to help it stand out, so this is really a rewards-driven card rather than one you keep for perks or travel protections.
A good fit for shoppers who regularly buy from BJ’s and want a no-fee card that is easy to use. If BJ’s is not a major part of your spending, its advantages narrow quickly.
Earning
The rewards setup here is simple cash back: higher earnings at BJ’s and BJs.com, then a flat 1.5% back everywhere else. The key question is whether your BJ’s spending is frequent enough to make this card more useful than a general cash-back card.
BJ's
BJs.com
Everywhere
Eligibility
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
19.99% - 28.49%
Variable
Transfer APR
19.99% - 28.49%
Variable
Cash Advance APR
28.49%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$5
Late Payment
$40
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
