BJ’s One+ Mastercard Review

Discover the BJs One+ Mastercard – earn high cash back at BJ’s, save on gas, enjoy no annual fee with membership, and access Mastercard benefits worldwide.

For shoppers who love incredible savings and exclusive perks, the BJs One+ Mastercard delivers a powerful combination of value, convenience, and rewards. Whether you’re filling up your car at the pump, restocking essentials for your household, or simply enjoying everyday purchases, this card makes it easy to stretch your budget further. With competitive cash back rates, flexible usage, and access to unique benefits inside and outside BJ’s Wholesale Club, it’s built for members who want more from every dollar spent.

This card isn’t just about collecting rewards—it’s about elevating your shopping experience. From discounts on gas to top-tier earning on in-club and online BJ’s purchases, the BJs One+ Mastercard ensures that every swipe brings you closer to smarter savings. Backed by Mastercard’s global acceptance and security, this card combines premium features with real-life practicality, making it an ideal choice for savvy spenders who prioritize both value and protection.

10 Key Benefits of the BJs One+ Mastercard

1. Outstanding Cash Back at BJ’s
With the BJs One+ Mastercard, you’ll enjoy one of the highest cash back rates available at BJ’s Wholesale Club. Every trip to the store becomes more rewarding, as you earn a generous percentage back on groceries, electronics, household essentials, and more. Over time, this adds up to significant savings, making your membership even more valuable.

2. Exclusive Gas Savings
One of the standout features of this card is its enhanced gas rewards. By using your BJs One+ Mastercard at BJ’s gas stations, you unlock special fuel discounts that help combat rising prices at the pump. It’s a benefit designed to put money back in your wallet every time you fill your tank.

3. Solid Cash Back Beyond BJ’s
While the biggest rewards come from BJ’s purchases, this card doesn’t stop there. You’ll also earn cash back on dining, travel, and other everyday categories. This flexibility ensures that no matter where you’re spending, you’ll continue to see the benefits.

4. No Annual Fee with Membership
If you’re already a BJ’s Wholesale Club member, you won’t need to worry about an annual fee for this card. That means all your rewards and savings go directly back to you, rather than being offset by costly fees.

5. Mastercard Global Acceptance
As a Mastercard, the BJs One+ card is accepted at millions of merchants worldwide. Whether you’re shopping online, dining at your favorite restaurant, or traveling abroad, you can rely on your card to work wherever Mastercard is honored.

6. Strong Fraud Protection
Your security comes first. With Mastercard’s zero liability protection, you’re shielded from unauthorized charges. Advanced fraud monitoring and account alerts provide peace of mind, ensuring you can shop with confidence.

7. Easy Redemption of Rewards
Redeeming the cash back you earn is straightforward and convenient. Rewards can be used toward future BJ’s purchases, giving you an easy way to lower your out-of-pocket expenses the next time you shop.

8. Mobile Account Management
With the dedicated mobile app and online account tools, managing your BJs One+ Mastercard is effortless. You can pay your bill, track rewards, review spending, and set up alerts—all from the palm of your hand.

9. Credit Building Opportunity
The card reports your payment history to all three major credit bureaus, which can help improve your credit score over time. With responsible use, you not only save money but also build a stronger financial foundation for the future.

10. Enhanced Value for BJ’s Members
This card was designed specifically for BJ’s members. By pairing your membership with the BJs One+ Mastercard, you maximize the value of both. The combination ensures you’re not just a shopper—you’re a shopper who saves smarter and earns more every single time.

Who Can Apply?

To apply for the BJs One+ Mastercard, you must meet the following criteria:

• Be at least 18 years old (or 19 in some states)
  
• Have a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN)
  
• Provide a U.S. residential address
  
• Have a verifiable source of income
  
• Maintain an active BJ’s Wholesale Club membership
  
• Not currently hold another BJ’s Mastercard in your name
  

How to Apply

Applying for the BJs One+ Mastercard is simple and can be completed online or in-club. Here’s how:

1. Visit the official BJ’s website or apply directly at your local BJ’s Wholesale Club.
   
2. Click on Apply Now for the BJs One+ Mastercard.
   
3. Enter your personal details, including income and membership information.
   
4. Complete the prequalification process (no impact to your credit score).
   
5. Review your offer and continue to the full application.
   
6. Accept the terms and conditions.
   
7. Submit your application and wait for a decision (usually within minutes).
   
8. If approved, your card will arrive by mail in just a few business days.
   
9. Activate your card and start earning rewards immediately.

Frequently Asked Questions (FAQ)

1. Does the BJs One+ Mastercard have an annual fee?
No, as long as you maintain a valid BJ’s membership, there is no annual fee.

2. Can I use this card outside BJ’s Wholesale Club?
Yes, the card is a Mastercard and is accepted worldwide.

3. How do I redeem my rewards?
Rewards can be redeemed at BJ’s for future purchases, making it easy to save instantly at checkout.

4. Will applying affect my credit score?
Prequalification does not impact your credit score, but submitting a full application will result in a hard inquiry.

5. Does the card help build credit?
Yes, your payment history is reported to all three major credit bureaus.6. Do I need a BJ’s membership to apply?
Yes, a valid BJ’s Wholesale Club membership is required.