The BJ’s One Mastercard simplifies the process of saving money by rewarding you for the purchases your family already makes. It turns your regular trips to BJ’s into a rewarding experience, providing significant returns on groceries and a welcome discount every time you fill up at the pump.
With no annual fee for the card itself and a host of practical benefits, the BJ’s One Mastercard is a smart and straightforward tool for helping your family’s budget go further.
Benefits Tailored for Your Household’s Needs
The BJ’s One Mastercard is full of practical benefits for your everyday family life.
- A Fantastic 3% Back in Rewards at BJ’s: This is the core benefit for any BJ’s shopper. You will earn a generous 3% back in rewards on the majority of your purchases at BJ’s clubs, on BJs.com, and through the BJ’s app. This applies to a wide range of family necessities, including groceries, cleaning supplies, paper goods, and even clothing and electronics, making it a powerful way to get money back on your biggest budget items.
- A Solid 1.5% Back on All Other Purchases: Your family’s spending doesn’t stop at the club’s doors. This card continues to reward you by providing a solid 1.5% back in rewards on all other purchases made everywhere else Mastercard is accepted. This includes everything from paying for kids’ sports registrations and dining out as a family to monthly utility bills.
- An Instant 10¢ Discount on Gas: Reduce your weekly fuel costs with an automatic discount at the pump. You will receive an instant savings of 10 cents per gallon every time you purchase fuel at a BJ’s Gas® location and pay with your BJ’s One® Mastercard®. This is a simple, tangible saving that adds up significantly over the course of a year.
- No Annual Fee for the Card: You can enjoy all of these family-focused savings without paying an annual fee for the credit card. It is important to remember that you must have an active, paid BJ’s “The Club Card” membership to be eligible for and to keep the card.
- Rewards That Don’t Expire: Busy family life can be complicated, but your rewards are not. The rewards you earn will not expire as long as your membership remains active, giving you the flexibility to use them whenever it’s most convenient for your budget.
- Simple Rewards Redemption: The redemption process is incredibly easy. Once you have accumulated at least $10 in rewards, they are issued as an electronic award that you can apply directly to your purchase at any BJ’s checkout, either in-club or online. It’s a simple way to instantly lower your out-of-pocket cost on a shopping trip.
- Add Authorized Users for Free: You can add family members, such as a spouse or a responsible older child, to your account as authorized users at no extra cost. All of their spending will contribute to the family’s shared rewards balance, helping you accumulate savings even faster.
- No Foreign Transaction Fees: This is a great benefit for family vacations. You can use the card for purchases outside the United States without incurring the typical 3% foreign transaction fee, making it a smart choice for international travel.
Who Can Apply: Eligibility Criteria
This card is designed for BJ’s members with a solid credit history.
- BJ’s Membership: An applicant must be a member of a paid BJ’s “The Club Card” Membership (currently $55 per year).
- Credit History: A good to excellent credit score is generally required for approval (typically a FICO score of 670 or higher).
- Age and Residency: You must be at least 18 years of age and a resident of the United States with a valid U.S. address.
- Identification: A valid Social Security Number is required for the application.
How to Apply: A Simple Guide
- Ensure You Have the Right BJ’s Membership: You must have a current BJ’s “The Club Card” membership to be eligible for this specific card.
- Apply Online or In-Club: You can fill out the application on the BJ’s website or visit the Member Services desk at your local BJ’s club for assistance.
- Check for Pre-Approval (Recommended): The online application offers a pre-approval check. This allows you to see if you are likely to be approved without impacting your credit score, which is a great, risk-free first step.
- Complete the Full Application: Fill out the secure online application with your personal, contact, and financial information.
- Receive a Decision: Capital One often provides a decision in just a few minutes. If approved, you can sometimes begin using the card digitally on BJs.com immediately.
Frequently Asked Questions for Your Family
- Can I use the rewards to pay for my annual BJ’s membership renewal?
Yes, you absolutely can. Your accumulated rewards can be applied toward your annual membership fee at the Member Services desk in-club, which is a great way to make your membership essentially pay for itself. - Is this a good card for back-to-school or holiday shopping?
Yes, it’s an excellent choice. The 3% back in rewards at BJ’s applies to a wide range of items, including clothing, electronics like laptops and tablets, school supplies, and toys, making it very rewarding during those heavy spending seasons. - How difficult is it to track the rewards my family earns?
It’s very simple. All rewards earned by the primary cardholder and any authorized users are automatically pooled into a single rewards balance tied to the membership. You can easily see your total rewards in the BJ’s app or on your account statement. - What is the main difference between this card and the more expensive BJ’s One+ card?
The main difference is the rewards rate, which is tied to the membership level. This BJ’s One card (for “The Club Card” members) earns 3% at BJ’s and gives 10¢ off gas. The BJ’s One+ card (for “The Club+ Card” members) earns a higher 5% at BJ’s and gives 15¢ off gas. You would need to determine if your family’s spending at BJ’s is high enough to justify the more expensive membership for the higher rewards.
