Capital One · Mastercard · Personal
BJ's Wholesale Club BJ's One
A no-annual-fee card earning cash back: 3× on Specified Store(s), 1.5× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 3×Specified Store(s)
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
2 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Specified Store(s) NotesBJ's only: in-club front-end registers, BJs.com, and the BJ's app. Excludes gas, eye exams, alcohol, tobacco, gift cards, propane, membership fees, shipping, and third-party services such as BJ's Travel. | 3× | $3.00 | |
All Other NotesPurchases outside BJ's. BJ's clubs, BJs.com, the BJ's app, BJ's Gas, and BJ's B2B or Global Sales are not outside BJ's and do not earn this rate. | 1.5× | $1.50 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Mastercard
- Bank
- Capital One
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Benefits6 · 0 high value
- Credits & Discounts BJ's Gas Discount + 2 more credits & discounts benefits
- Instant Perks & Status Mastercard ID Theft Protection + 1 more instant perks & status benefit
- Travel Protections Mastercard Global Service
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 BJ's Wholesale Club BJ's One |  Bass Pro Shops / Cabela's CLUB |  Capital One Quicksilver Rewards |  Amazon Prime Store Card | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $0Same | $0Same |
| Signup bonus | None | $60 | $200 | $10 |
| Top rate | 3×Specified Store(s) | 2×Specified Store(s) | 3×Groceries, Gas Stations | 5×Amazon, Specified Store(s) |
| Travel value * | –Cash back | –Cash back | 1.7¢Capital One Miles | –Cash back |
| Why it’s here | This card | Also no annual fee | Also no annual fee | Also no annual fee |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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