Capital One Announces Three BJ’s Wholesale Club Credit Cards

The details regarding three new Capital One BJ’s Wholesale Club credit cards are now live. These cards will be available for sign up starting February 27, 2023. New cards are as follows:

  • BJ’s One Mastercard
    • 3% back in rewards on most BJ’s purchases
    • 1.5% back in rewards everywhere else Mastercard is accepted
    • 10¢ off/gal. at BJ’s Gas
  • BJ’s One+ Mastercard
    • 5% back in rewards on most BJ’s purchases
    • 2% back in rewards everywhere else Mastercard is accepted
    • 15¢ off/gal. at BJ’s Gas
  • BJ’s Business Elite™ Mastercard
    • 5% back in rewards on most BJ’s purchases
    • 2% back in rewards everywhere else Mastercard is accepted
    • 15¢ off/gal. at BJ’s Gas

It was previously announced that ADS would stop issuing these cards and Capital One would start issuing them.
    William Charles
  • On February 14, 2023, 11:00
Tags: bj'sbj's wholesale clubcapital onecapital one bj'snew credit cards

View Comments (22)

  • Thank you! I've actually been waiting for this! I never used to like shopping at BJs, but with three little kids and a crazy life, BJs pickup has been a lifesaver. There are limited pick up options in my area, and BJs always gets the order together quickly and I appreciate the flexibility in pick up times (compared to stores where you have to be there at a specific time). I've shifted a lot of my shopping there because of the pickup and will happily take the 5% back.

  • As both have no AF, I don't see why someone would want the BJs One over the One+. Am I missing something?

    • @will You have to have the higher membership to get the One+/Business card per their FAQs

      The membership that is associated with the BJ's One Mastercard is $55/year and the membership associated with the BJ's One+ Mastercard and BJ's Business Elite Mastercard is $110/year.

      https://bjsone.capitalone.com/faq

    • Gonna guess the One will be targeted at those with lower credit scores or those that carry balances. I will bet the interest rate on the One will be lower.

      I don't get the complaints on this card. This offering isn't much different than most store-branded credit cards. Low/no SUB and solid rewards when you shop at the co-brand partner. 15 cents off per gallon of gas can add up quickly if they are your preferred refueling station. This was never meant to appeal to the DoC crowd.

      I think one of their mistakes was to make these no-AF... they should have matched the AF to the cost of a BJ's membership and bundled the membership with the card. Costco does that and I suspect they retain a handful of customers that might otherwise drop the membership, but would rather not go through the hassle of cancelling the credit card.

  • I don't understand - when all have no annual fee, why would you opt for the card with worse rewards?

  • Thanks for letting us know that Blowjay's is still in business. I could swear I thought both that and the Hollywood Video next door went under decades ago.

    • You can get both when you serve your ban for life in prison. You'll probably be giving rather than receiving though.

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