BJ’s One Mastercard® — Why This Card Gets Chosen First

Source: BJ’s One™ Mastercard

If you’re a BJ’s Wholesale Club member, you already save big on groceries, electronics, and household essentials. But with the BJ’s One™ Mastercard or BJ’s One+™ Mastercard, you can multiply your savings with generous cash-back rewards on every purchase — inside and outside the club.

1️⃣ Choose the Card That Fits You

💳 BJ’s One™ Mastercard

• 3% cash back on most BJ’s purchases
• 10¢ off per gallon at BJ’s Gas®
• 1.5% cash back on all other purchases
• No annual fee (requires a BJ’s Inner Circle Membership)

💳 BJ’s One+™ Mastercard

Available for BJ’s Perks Rewards Members

5% cash back on most BJ’s purchases

10¢ off per gallon at BJ’s Gas®

2% cash back on dining and non-BJ’s gas

1.5% cash back on everything else

Both cards are issued by Comenity Capital Bank and accepted anywhere Mastercard® is used.

2️⃣ Redeem Rewards Easily

Your cash-back rewards appear directly in your BJ’s account and can be used toward:

• Future BJ’s purchases
• In-club shopping
• Online orders at BJs.com

No waiting for mailed checks or complicated redemptions — your rewards are automatic.

3️⃣ Save Even More at BJ’s Gas®

Members can combine their cash back with exclusive fuel discounts, creating even more value every time they spend. Every time you fill up at BJ’s Gas®, you’ll automatically receive 10¢ off per gallon — an unbeatable deal that stacks seamlessly with the cash back you’ve already earned. This means you’re saving twice at the pump: once through instant fuel discounts and again through ongoing rewards that accumulate with everyday purchases.

For drivers who commute regularly, run errands, or travel frequently, these savings can add up fast. Over weeks and months, even small per-gallon discounts translate into meaningful reductions in fuel costs, helping stretch your budget further without any extra effort. There’s no activation required, no coupons to clip, and no limits to track — just automatic savings every time you refuel at BJ’s Gas® locations.

What makes this benefit especially powerful is how effortlessly it fits into your routine. You simply use your card, fill up, and save. Combined with cash back earned on groceries, gas purchases, and other essentials, the BJ’s One™ Mastercard turns necessary spending into real, ongoing financial wins. It’s a practical advantage that rewards consistency, not complicated strategies.

These fuel savings are ideal for families, rideshare drivers, and anyone managing rising transportation costs. When paired with BJ’s competitive fuel prices, the additional 10¢ per gallon discount helps protect your budget from fluctuating gas prices. Over time, those savings can be redirected toward groceries, household needs, or even future purchases at BJ’s.

By stacking fuel discounts with cash back rewards, members gain a smarter, more efficient way to save on expenses they can’t avoid. It’s a simple yet powerful benefit that reinforces the BJ’s One™ Mastercard as a card designed for everyday value — delivering savings where they matter most, every single mile.

4️⃣ Manage Your Account Effortlessly

With BJ’s online tools, you can:

• View your cash-back balance
• Redeem rewards instantly
• Set up autopay or reminders
• Monitor spending from the BJ’s app or website

This makes managing your account simple and convenient — especially for busy families and frequent BJ’s shoppers.

5️⃣ Security & Benefits You Can Trust

Each BJ’s Mastercard comes with:

• Zero fraud liability protection
• EMV chip security
• Contactless tap-to-pay convenience
• 24/7 access to your account and transaction alerts

You’ll shop confidently, knowing your information and purchases are protected by Mastercard’s global security network.

Why the BJ’s One™ Mastercard Is Worth It

If you regularly shop at BJ’s Wholesale Club, this card can help you earn hundreds back every year. Combined with membership perks, gas savings, and cash-back rewards, it’s one of the most valuable retail credit cards in the U.S.

💳 Apply today and start earning up to 5% cash back on your everyday purchases.