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3% Back at BJ's, 1.5% Everywhere Else—Plus 10¢ Off Per Gallon
The BJ's One Mastercard turns every BJ's run into 3% back in rewards, saves 10¢ per gallon at BJ's Gas, and earns 1.5% on all other purchases—all with $0 annual fee and no foreign transaction fees. Requires BJ's Club Card membership ($55/year).
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
BJ's Rewards
Credit Required
Good to Excellent
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.3/5 | ||
| Forbes Advisor | 2.2/5 |
Best for BJ's members who shop there regularly. 3% BJ's rate trails the 5% One+ variant but requires no membership upgrade. 1.5% everywhere else is competitive with flat-rate cards. 10¢/gallon gas discount adds unique value. $0 annual fee makes it risk-free for BJ's shoppers.
Details & Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
3% Back at BJ's, 1.5% Everywhere Else—Plus 10¢ Off Per Gallon
The BJ's One Mastercard turns every BJ's run into 3% back in rewards, saves 10¢ per gallon at BJ's Gas, and earns 1.5% on all other purchases—all with $0 annual fee and no foreign transaction fees. Requires BJ's Club Card membership ($55/year).
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
BJ's Rewards
Credit Required
Good to Excellent
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.3/5 | ||
| Forbes Advisor | 2.2/5 |
Best for BJ's members who shop there regularly. 3% BJ's rate trails the 5% One+ variant but requires no membership upgrade. 1.5% everywhere else is competitive with flat-rate cards. 10¢/gallon gas discount adds unique value. $0 annual fee makes it risk-free for BJ's shoppers.
Details & Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
3% Back at BJ's, 1.5% Everywhere Else—Plus 10¢ Off Per Gallon
The BJ's One Mastercard turns every BJ's run into 3% back in rewards, saves 10¢ per gallon at BJ's Gas, and earns 1.5% on all other purchases—all with $0 annual fee and no foreign transaction fees. Requires BJ's Club Card membership ($55/year).
$0
Annual Fee
3X
Top Rate
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
BJ's Rewards
Credit Required
Good to Excellent
Benefits & Perks
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| WalletHub | 3.3/5 | ||
| Forbes Advisor | 2.2/5 |
Best for BJ's members who shop there regularly. 3% BJ's rate trails the 5% One+ variant but requires no membership upgrade. 1.5% everywhere else is competitive with flat-rate cards. 10¢/gallon gas discount adds unique value. $0 annual fee makes it risk-free for BJ's shoppers.
Details & Terms
| Purchase APR | 19.99%–28.49% (Variable) |
| Cash Advance APR | 28.49% (Variable) |
| Foreign Transaction Fee | $0 |
Mastercard Zero Liability protects you from unauthorized transactions everywhere.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Comprehensive review with 3.3/5 rating covering rewards structure, gas discount, and comparison to Costco Anywhere Visa. Includes 379 user reviews and editor's 6-point analysis. Updated February 2026.
Official BJ's landing page for the One and One+ Mastercard with detailed rewards breakdown, gas discount terms, and membership tier comparison.
CNET review analyzing whether the BJ's One Mastercard gas rewards and cash back structure justify a BJ's membership. Focuses on gas savings and grocery spending ROI.
Forbes Advisor review of the BJ's card family with 2.2/5 rating. Notes strong BJ's earning rate but criticizes limited general spending value. Covers the One+ tier primarily.
Informational guide covering the BJ's One and One+ Mastercard variants, rewards structure, membership requirements, and how the cards compare to each other and warehouse competitors.
Critical analysis of BJ's credit card program weighing the pros against limitations like high APR, limited redemption options, and restricted rewards ecosystem.
Kiplinger article covering promotional rewards deals on BJ's cards, including the One vs One+ tier breakdown and seasonal earning boosts.
Credit Karma overview with cardholder data including average credit limits ($6,877) and credit scores (703). Provides real-world approval benchmarks.
Real cardholder experiences and opinions on the BJ's One+ Mastercard from the BJ's Wholesale Club subreddit. Consensus is positive for regular BJ's shoppers.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Mastercard Zero Liability protects you from unauthorized transactions everywhere.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Comprehensive review with 3.3/5 rating covering rewards structure, gas discount, and comparison to Costco Anywhere Visa. Includes 379 user reviews and editor's 6-point analysis. Updated February 2026.
Official BJ's landing page for the One and One+ Mastercard with detailed rewards breakdown, gas discount terms, and membership tier comparison.
CNET review analyzing whether the BJ's One Mastercard gas rewards and cash back structure justify a BJ's membership. Focuses on gas savings and grocery spending ROI.
Forbes Advisor review of the BJ's card family with 2.2/5 rating. Notes strong BJ's earning rate but criticizes limited general spending value. Covers the One+ tier primarily.
Informational guide covering the BJ's One and One+ Mastercard variants, rewards structure, membership requirements, and how the cards compare to each other and warehouse competitors.
Critical analysis of BJ's credit card program weighing the pros against limitations like high APR, limited redemption options, and restricted rewards ecosystem.
Kiplinger article covering promotional rewards deals on BJ's cards, including the One vs One+ tier breakdown and seasonal earning boosts.
Credit Karma overview with cardholder data including average credit limits ($6,877) and credit scores (703). Provides real-world approval benchmarks.
Real cardholder experiences and opinions on the BJ's One+ Mastercard from the BJ's Wholesale Club subreddit. Consensus is positive for regular BJ's shoppers.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Mastercard Zero Liability protects you from unauthorized transactions everywhere.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Comprehensive review with 3.3/5 rating covering rewards structure, gas discount, and comparison to Costco Anywhere Visa. Includes 379 user reviews and editor's 6-point analysis. Updated February 2026.
Official BJ's landing page for the One and One+ Mastercard with detailed rewards breakdown, gas discount terms, and membership tier comparison.
CNET review analyzing whether the BJ's One Mastercard gas rewards and cash back structure justify a BJ's membership. Focuses on gas savings and grocery spending ROI.
Forbes Advisor review of the BJ's card family with 2.2/5 rating. Notes strong BJ's earning rate but criticizes limited general spending value. Covers the One+ tier primarily.
Informational guide covering the BJ's One and One+ Mastercard variants, rewards structure, membership requirements, and how the cards compare to each other and warehouse competitors.
Critical analysis of BJ's credit card program weighing the pros against limitations like high APR, limited redemption options, and restricted rewards ecosystem.
Kiplinger article covering promotional rewards deals on BJ's cards, including the One vs One+ tier breakdown and seasonal earning boosts.
Credit Karma overview with cardholder data including average credit limits ($6,877) and credit scores (703). Provides real-world approval benchmarks.
Real cardholder experiences and opinions on the BJ's One+ Mastercard from the BJ's Wholesale Club subreddit. Consensus is positive for regular BJ's shoppers.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
