Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.74% - 29.74%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
19.74% - 29.74%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0
BJ’s One™ Mastercard® Review
This is a store rewards card issued by Capital One. If you're wondering whether BJ’s One™ Mastercard® is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.74% up to 29.74%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. BJ’s One™ Mastercard® charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of capital one cbjs one mastercard
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capital one cbjs one mastercard FAQ
Does capital one cbjs one mastercard have a cash back or rewards program?
capital one cbjs one mastercard is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 1.5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| In-Store Eligible Purchases | Up to 3 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does capital one cbjs one mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does capital one cbjs one mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the capital one cbjs one mastercard benefits?
BJ’s One™ Mastercard® provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for capital one cbjs one mastercard?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.BJ’s One™ Mastercard® has a variable purchase APR that ranges from 19.74% up to 29.74%. The card has a variable balance transfer APR that ranges from 19.74% up to 29.74%. It also has a variable cash advance APR of 31.74% .
Does capital one cbjs one mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does capital one cbjs one mastercard have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for capital one cbjs one mastercard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for capital one cbjs one mastercard?
The customer service number for capital one cbjs one mastercard is (877) 383-4802.
What is the support contact email for capital one cbjs one mastercard?
The support contact email for capital one cbjs one mastercard is support@capitalone.com.
What is the login page for capital one cbjs one mastercard?
You can access the login page of capital one cbjs one mastercard here.
How do people rate the customer service and user experience of capital one cbjs one mastercard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does BJ’s One™ Mastercard® report your account activity to credit bureaus?
Yes, BJ’s One™ Mastercard® reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Capital One perform a hard credit pull?
Yes, capital one cbjs one mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for capital one cbjs one mastercard
- Visit the website of capital one cbjs one mastercard.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed