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Capital One

BJ’s One Mastercard

BJ’s One Mastercard card art

Estimated value every year on typical spending

$156/ year

Every year, after the annual fee. No welcome bonus.

+$156rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Capital One

Is it worth it?

With no annual fee, the Capital One BJ’s One Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending.

Its rewards are BJ's Awards, which only spend with one merchant, so we count them at 50% of face value.

The fine print

Intro APR
Not listed
Regular APR
Not listed
Foreign fee
Not specified
Rewards paid as
BJ's Awards · counted at half value
Approval
Good credit recommended
Redeem for
Statement credit · Direct deposit · Gift cards

Rewards

  • 3% back on eligible purchases at BJ’s, while purchases made outside of BJ’s earn 1.5% back

Sign-up bonus

None

Best for

  • Keeping costs at $0

Not ideal for

  • Anyone who doesn't shop there often (rewards are BJ's Awards, so we count them at half value)
  • Frequent international travelers

Trade-offs: No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
Not listed
Regular APR
Not listed
  • $1200/mo on everyday spending earns about $72/year (0.5%).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

BJ’s One Mastercard: questions people ask

Is the Capital One BJ’s One Mastercard worth it?

With no annual fee, the Capital One BJ’s One Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $156 a year on typical spending.

What is the Capital One BJ’s One Mastercard annual fee?

The Capital One BJ’s One Mastercard has no annual fee ($0).

What does the Capital One BJ’s One Mastercard earn?

3% back on eligible purchases at BJ’s, while purchases made outside of BJ’s earn 1.5% back.

What credit score do you need for the Capital One BJ’s One Mastercard?

The issuer recommends good/excellent credit. Checking your matches on CardFit never runs a credit check.

Does the Capital One BJ’s One Mastercard charge foreign transaction fees?

The issuer's page doesn't say. Check before using it abroad.

Similar cards

Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Capital One product page. Terms change often; confirm them with the issuer before you apply.