How to Get Approved for the BJ’s One+ Mastercard

Everything you need to know about eligibility, application steps, and smart tips to boost your chances of getting approved faster. 

Applying for the BJ’s One+ Mastercard can be a smooth and rewarding experience—especially if you understand what’s required and come prepared. This card is tailored for BJ’s members who want to earn elevated rewards on their everyday purchases, particularly within the club. 

Whether your goal is to maximize cashback at BJ’s, save on gas and dining, or simply add a reliable no-annual-fee card (beyond your BJ’s membership fee) to your wallet, this guide walks you through every step of the application journey. With the right preparation, you can apply with confidence and start unlocking the full value this card has to offer.

Who Can Qualify for the BJ’s One+ Mastercard?

To increase your chances of approval, here are the key eligibility requirements and tips:

• Age Requirement: You must be at least 18 years old.
• US Residency: Only available for U.S. residents with a valid Social Security Number.
• Good to Excellent Credit: A credit score of 670 or above is typically recommended. Applicants with lower scores may still qualify, but approval is less likely.
• Stable Income: Your income must be sufficient to repay your card balance; this includes part-time or full-time employment, or other verifiable sources of income.
• Clean Credit History: Fewer recent delinquencies, low credit utilization, and minimal hard inquiries are a plus.
• Active BJ’s Membership: To apply and enjoy full benefits, you need an active BJ’s Inner Circle or BJ’s Perks membership.

📌 TIP: Improve your odds by paying down existing credit card balances and avoiding new credit applications at least 30 days before applying.

💡How to Apply for the BJ’s One+ Mastercard – Step-by-Step

Here’s a clear and easy-to-follow guide to submit your application successfully:

1. Visit the Official Application Page
   Go to the BJ’s Mastercard page (or through Comenity Bank) and choose the BJ’s One+ Mastercard option.
2. Sign In with Your BJ’s Membership
   Make sure your membership is active. If you’re not yet a member, you’ll need to sign up first.
3. Fill Out the Online Form
   Enter your full legal name, address, Social Security number, income details, and contact info. Double-check for typos before submitting.
4. Agree to Terms and Disclosures
   Carefully read the card’s terms, including APR rates, fees, and cashback policies, then check the consent boxes.
5. Submit Your Application
   After submission, you’ll usually get an instant decision. In some cases, Comenity Bank may require further review.
6. Approval or Denial Notification
   If approved, you’ll receive your card within 7–10 business days. If denied, you can request a reason and possibly apply again later with improved credit.
7. Activate and Start Earning
   Once your card arrives, activate it online or by phone, then link it to your BJ’s account for seamless cashback application.

👇Frequently Asked Questions (FAQ)

Q1: Can I get approved with a fair credit score (below 670)?
A1: It’s possible but less likely. Your approval will depend on other factors like income, debt, and payment history. If denied, work on improving your credit and try again in 3–6 months.

Q2: Do I need a BJ’s membership before applying?
A2: Yes. A valid BJ’s membership is required to apply and receive the card’s full benefits.

Q3: Is there an annual fee for the BJ’s One+ Mastercard?
A3: No additional annual fee for the card itself, but you do need to maintain your paid BJ’s membership.

Q4: Can I redeem cashback for anything other than BJ’s purchases?
A4: Cashback is automatically applied to your BJ’s membership account and can only be used for eligible in-club or online purchases at BJ’s.

Q5: What if I don’t get instant approval?
A5: Some applications go through manual review. You’ll receive a follow-up via email or mail within 7–14 business days with a final decision or request for more info.

✅Final Thoughts — Is the BJ’s One+ Mastercard Right for You?

If you’re a regular BJ’s shopper, the BJ’s One+ Mastercard® delivers serious value straight to your cart. With an impressive 5% cashback on most BJ’s purchases, it stands out as one of the most rewarding retail store cards available. 

The fact that there’s no additional annual fee—just your standard BJ’s membership—makes this card a low-risk, high-reward option for loyal members. Beyond warehouse savings, it’s also great for everyday spending, offering 2% cashback on dining and gas, which adds meaningful value for those who drive frequently or enjoy meals out.

The application process is straightforward and designed with transparency in mind. Eligibility requirements are clearly defined, so you’ll know what to expect before applying. Just be sure your BJ’s membership is active and your credit profile is in good standing to improve your chances of approval. 

For those who consistently shop at BJ’s and want to turn everyday spending into real savings, this card offers a convenient and rewarding way to do just that.

🎯 Ready to earn more from every BJ’s trip? Apply today and start turning your spending into serious savings!