BJ’s One+™ Mastercard®

BJ’s One+™ Mastercard® Review

This is a store cashback card issued by Capital One. If you're wondering whether bjs one plus 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 cashback card. It gives you cashback on your eligible 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 extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
• Good or better credit required. You will have low approval odds if your credit score is below 670.

Pros & Cons of bjs one plus mastercard

The Good	The Bad
No annual fee. Multiple credit card perks. Extended warranty on purchases. Identity Theft Protection. 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.

bjs one plus mastercard FAQ

Does bjs one plus mastercard have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

bjs one plus mastercard Rewards

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

What are the bjs one plus mastercard benefits?

It provides the following benefits:

• Extended Warranty Protection
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for bjs one plus 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 bjs one plus mastercard?

The following fees apply:

bjs one plus 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 cashback 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 bjs one plus mastercard

• Visit the bjs one plus 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.