BJ’s One™ Mastercard®

BJ’s One™ Mastercard® Review

This is a store rewards card issued by Capital One. If you're wondering whether capital one cbjs one mastercard is the right card for you, read on.

Key Takeaways

• High APRs. This is not a great card for people who carry a balance. It has a variable 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.
• 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 protection, travel assistance, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of capital one cbjs one mastercard

The Good	The Bad
No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. Travel assistance insurance Cardholders can earn rewards on their purchases. BJ’s One™ Mastercard® reports to multiple credit bureaus.	Higher than average purchase APRs. You need good credit to qualify. Does not offer a signup bonus. Charges a 3% balance transfer fee.

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.

capital one cbjs one mastercard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)

What are the capital one cbjs one mastercard benefits?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher 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% .

What are the fees for capital one cbjs one mastercard?

The following fees apply:

capital one cbjs one mastercard Fees

Fees	Amount
Annual Fee	$0
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does BJ’s One™ Mastercard® report your account activity to credit bureaus?

Yes, BJ’s One™ Mastercard® reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for capital one cbjs one mastercard

• Visit the capital one cbjs one mastercard website.
• 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.