Capital One · Mastercard
Capital One BJ's One+ Mastercard
No annual fee · 2% on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | 2% | uncapped |
| Wholesale clubs at BJ's only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
5% | uncapped |
Non-cash perks
- Requires a paid BJ's Club+ membership ($120/yr); the One+ card is only offered to Club+ members, so the membership fee is a real cost of holding the card
- 15 cents/gallon off at BJ's Gas when paying with this card and scanning membership card
- Rewards never expire for the life of the account
- No cap on rewards earned
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Capital One
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: www.bjs.com · www.capitalone.com · www.capitalone.com. Spot an error? Tell us.