Capital One BJ's One+ Mastercard
No annual fee · 2% on everything else · no foreign transaction fees
Earn rates · how we got this
| 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? · how we got this
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.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:
- Anyone who doesn't spend at BJ's. Its largest printed rate, 5% on wholesale clubs, pays only at BJ's. Anywhere else it earns its base 2%, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
- Non-members. The card requires BJ's Club+ ($120/yr), which is a cost on top of the card itself before a single point is earned.
More from Capital One
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.