BJ’s One+® Mastercard®

This card is worth a look if you shop at BJ’s often enough to take real advantage of the 5% back on BJ’s and BJs.com purchases. That elevated store rate is the main reason to carry it, and the 2% back everywhere else is solid for a no-annual-fee card if you want one card that still earns decently beyond the warehouse.

The tradeoff is that this is still a retailer-centered card with no listed travel, protection, or lifestyle perks to add extra value. If BJ’s is only an occasional stop, the appeal drops quickly, and many readers may prefer a general cash back card that is less tied to one store. For loyal BJ’s members, though, the rewards are simple and easy to understand.