Capital One · Mastercard · personal · Cash back
Capital One
BJ's One
MC
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$0
annual fee · $0 to use or maintain the card; a BJ's membership is required to apply
0%
foreign txn fee
$0
credits/yr realistic ($0 face)
Earning
| BJ's (Wholesale clubs)
3% back on BJ's purchases in-club, on BJs.com and in the BJ's app; no cap. Excludes BJ's Gas, gift cards, alcohol, tobacco, lottery, propane, membership fees, warranties, sales tax, shipping, eye exams. (BJ's One+ Mastercard earns 5%.)
requires BJ's membership
|
3% | 3% |
| Everything else
1.5% back everywhere else, no cap (BJ's One+ Mastercard earns 2%)
|
1.5% | 1.5% |
Right column: value per $ at travel valuation (1¢/pt). Dollar-for-dollar.
Credits
None.
Benefits
- No foreign transaction fees — Capital One does not charge foreign transaction fees on its credit cards.
- 10¢/gal off at BJ's Gas (15¢ with One+) — Fuel discount only; BJ's Gas purchases do not earn % back.
- Rewards redeemable at BJ's; never expire — Redeem in-club, on BJs.com or in the BJ's app; rewards are yours for the life of the account.
- No annual fee
Protections
Notes
Issued by Capital One since Feb 27, 2023, replacing the Comenity/ADS-issued BJ's Perks cards. Requires a BJ's membership to apply. BJ's Gas does not earn % back (fuel discount only). Sibling products: BJ's One+ Mastercard (5% at BJ's, 2% everywhere else, 15¢/gal) and BJ's Business Elite Mastercard (same rates as One+). No welcome bonus, statement credits, or card protections are disclosed on the issuer page. Web-verified 2026-09-08 against https://www.capitalone.com/credit-cards/bjs/.