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 cashback credit 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 cashback card. It gives you cashback on your eligible 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 extended warranty protection on purchases, identity theft protection, purchase security, 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 bjs one plus mastercard
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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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 2 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| In-Store Eligible Purchases | Up to 5 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does bjs one plus mastercard have a signup bonus?
This card doesn't offer a cash signup bonus.Does bjs one plus mastercard offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the bjs one plus mastercard benefits?
BJ’s One+™ Mastercard® 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 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 bjs one plus mastercard have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does bjs one plus 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 bjs one plus 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 cashback card.
What is the customer service phone number for bjs one plus mastercard?
The customer service number for bjs one plus mastercard is (877) 383-4802.
What is the support contact email for bjs one plus mastercard?
The support contact email for bjs one plus mastercard is support@capitalone.com.
What is the login page for bjs one plus mastercard?
You can access the login page of bjs one plus mastercard here.
How do people rate the customer service and user experience of bjs one plus 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, bjs one plus 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 bjs one plus mastercard
- Visit the website of bjs one plus 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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Hours of Operation
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