BJs Capital One Credit Card: Features, Login, Pricing and Interest Rates

Suchi Goswami
February 2, 2024

Key Points:
BJ’s is an American members-only club that offers BJ’s Capital One credit card.
Annual Fees: $0 (requires BJ Membership)
Club Membership Fees for BJ’s One MasterCard: $55 yearly
Club Membership Fees for BJ’s One+ MasterCard: $110 yearly
Intro APR: No offer
Regular APR: 19.99% — 29.99%
Balance Transfer Fees: 3%

BJ’s Capital One is a well-known American membership-only warehouse club that sells a wide range of products, from groceries to electronics. With similar benefits to the Walmart money card, the company offers BJs Capital One, and BJ’s One+ MasterCard.

If you are wondering how to get it and what the benefits are, read this blog until the end. We have covered all the information in its simplest form.

Let’s dive right into it!

Table of Contents:

BJ’s Capital One Credit Card: Overview
BJ’s One MasterCard: Pricing and Interest Rates
Capital One BJ Credit Card Features
How to Do Capital One BJs Login?
BJs Capital One Credit Card: Pros and Cons
Customer Support Info
BJs Capital One Credit Card vs. Other Retail Cards
Is Capital One BJ Credit Card Good for You?
Frequently Asked Questions

BJ’s Capital One Credit Card: Overview

BJ’s Wholesale Club has introduced a two credit card: BJ’s One MasterCard and BJ’s One+ MasterCard, in association with Capital One and Mastercard. Members get all the MasterCard benefits along with the other features this card offers.

You get $0.10 off per gallon when you purchase gas at BJ’s gas stations, along with 3% back in rewards on most BJ’s purchases and 1.5% back in rewards elsewhere. Please note that you must be an existing member of BJ’s Wholesale Club to apply for the card because it is a membership-based club.

Your rewards can be redeemed in the store or applied toward the cost of your membership. The standard 12-month membership at BJ’s costs $55.

BJ’s One MasterCard: Pricing and Interest Rates

It is crucial to know the interest rates, and annual fees of both the cards to get a complete overview. It also helps to determine whether it is within one’s budget.

Club Membership Fees for BJ’s One MasterCard: $55 yearly
Club Membership Fees for BJ’s One+ MasterCard: $110 yearly
Annual Fees: $0
Intro APR: No offer.
Regular APR: 19.99% — 29.99%
Balance Transfer Fees: 3%
Cash Advance Fees: Either $3 or 3% of the amount.
Foreign Transaction Fees: $0
Welcome Bonus: None

So, these are the card fundamentals that you must know. Moving ahead, let’s take a look at all the features it has to offer the customers.

Capital One BJ Credit Card Features

There are many features that this card offers, and you can take advantage of all of them. We have written all the features here; take a look.

Rewards

The company offers many rewards to its customers, and it even has a great redemption rate. So every time you shop with your card, you earn rewards and cashback.

$40 in rewards when you apply and get approved for the card.
3% back in rewards for BJ’s One MasterCard, and 5% cashback with BJ’s One+ MasterCard, on most purchases in store.
1.5% back in rewards for BJ’s One MasterCard and 2% for BJ’s One+ MasterCard on purchases where Mastercard is accepted.

Fraud Liability Protection

The company monitors your account for signs that indicate theft and sends an alert if any suspicious activity is suspected. Moreover, the customer is not liable to pay if someone makes unauthorized transactions with the card.

BJ’s Club Membership Benefits

Cardholders can enroll in the membership club, which renews itself. Cardholders get wholesale prices to shop for the items they like. Not just that, customers get discount per gallon of BJ’s gas.

With BJ’s One MasterCard, you can save approximately $70 upon spending $3.50/gallon.

With BJ’s One+ MasterCard, you get discount of 15 cent per gallon.

Note: The company also gives a rewards calculator where you can check your savings.

So these are the features that come with BJ’s One MasterCard. If you’ve loved its features and its rates sit well in your budget, you can visit BJ’s or apply for the new card via the online portal or by calling or visiting the store.

Once you get your new card at your given address, proceed to activate and log in to access your account dashboard. Let’s look at the login process in the coming section.

Also Read: Bank of America Plasma Loyalty Card: Features, Activation, and Login Process

How to Do Capital One BJs Login?

You must register on the official site to access your account. After that, you can proceed with the account access. These are the steps for Capital One BJs login:

First, go to https://bjs.capitalone.com/ on your device’s browser and click on Sign In.

On the homepage, enter your username in the given field.
Now, fill in your password in the given space.
Tap on the Sign in button, and you’ll be redirected to your account dashboard.

You can tick the Remember me box if you wish to save your credentials on the device.

So this is how you can log in to your account. Here you can manage expenses, pay bills, and even contact the helpdesk.

BJs Capital One Credit Card: Pros and Cons

Even though the store card is loaded with tons of features and benefits, it still has some downsides. Let’s discuss all its positives and negatives in this section.

Pros	Cons
No foreign transaction fee.	Customers need to be active club members.
No annual fees.	No introductory offer on APR.
$0.10 discount per gallon at BJ’s Gas.	Rewards can only be redeemed at BJ’s.
3% cash back on every purchase at BJs and 1.5% cash back for transactions with MasterCard.	No outside person can apply.
The rewards do not have an expiry date.

Also Read: Rooms To Go Credit Card Login and Payment Methods You Must Know

Customer Support Info

The company has a team of professionals who are always eager to solve cardholders’ issues. So, whether you want to know more about the benefits and features or need assistance in the account login process, reach out to the customer support team.

BJ’s One Mastercard: 844-202-9570

BJ’s One+ Mastercard: 844-201-4893

BJ’s Business Elite: 844-217-6927

Availability: Monday-Friday: 8 am – 7 pm

Saturday: 8 am – 6 pm

Sunday: 12 pm – 6 pm

You can also send an email or start a chat via BJ’s Contact Us page. Reach out to them for help and the team will revert with solutions shortly.

BJs Capital One Credit Card vs. Other Retail Cards

You must be aware that many businesses offer their cards. So, in this section, we’ll compare BJ’s MasterCard to other popular store cards.

BJ’s One MasterCard Vs Menards Credit Cards

Menards is one of the popular home improvement companies in the United States that issues its cards via Capital One. Similar to BJ’s, customers of this store get access to Menards credit card login account.

Customers get a 2% rebate on all purchases and special financing options for 6–48 months.

BJs Credit Card Capital One Vs Costco Anywhere Visa Card

Costco is a renowned wholesale company in the US selling furniture, electronics, clothes, jewelry, and more at warehouse prices. While Costco accepts other cards, it also offers its own card in association with Citi.

Cardholders get 4% cash back on gas and EV charging, 2% cash back for in-store purchases, and 1% for all others.

The rewards offered by the BJs card are nothing less than others. So we are totally in favor of it. Talking about if it is worth it or not? So, if you are a regular customer, buy in bulk for business, or have a large family, why not save a few bucks and reap the benefits?

Is Capital One BJ Credit Card Good for You?

Yes, it is worth it if you regularly spend a significant amount of money at BJ’s Wholesale Clubs. This might be a good fit for you even when you’re a consistent BJ’s customer, you can save money on in-store purchases. But this card isn’t for you if you don’t shop at or live close to BJ’s Wholesale Club.

Customers who do not shop frequently here can pass this card and get a flexible cash-back card that will help you yield higher rewards.

So this was all about BJs Capital One credit card. We hope this blog will help you in performing all the necessary steps carefully. Share it with your friends to make them aware too!