Up to 5% Back in Rewards
with The Club+ Card Membership
5% Back in Rewards
On most BJ's purchases1
2% Back in Rewards
Everywhere else Mastercard® is accepted3
15¢ Off/Gal.
At BJ's Gas® every day4
Rewards never expire2
Up to 3% Back in Rewards
with The Club Card Membership
3% Back in Rewards
On most BJ's purchases1
1.5% Back in Rewards
Everywhere else Mastercard® is accepted3
10¢ Off/Gal.
At BJ's Gas® every day4
Rewards never expire2
See if you’re pre-approved with no risk to your credit score.
See the rewards add up
Add your monthly expenses to see your estimated yearly rewards earnings§
Mastercard ®
Mastercard ®
Frequently Asked Questions
There are several ways that you can make your payment:
- To pay online, you can download the Capital One Mobile app by visiting the Google Play or Apple App Store, or you can also head to BJs.capitalone.com.
- Mail a payment to Capital One Attn: Payment Processing, P.O. Box 71087, Charlotte, NC 28272-1083. The mailing address will also be on your BJ’s One® Credit Card, BJ’s One+® Credit Card, or BJ’s Business Elite™ Credit Card billing statement, as applicable. That mailing address may be different from above, but be assured this will get to the right place.
- Pay via phone by calling 844-202-9570 for the BJ’s One Credit Card or BJ’s One+® Credit Card; the BJ’s Business Elite Credit Card phone number is 844-217-6927.
As you make eligible purchases with your BJ’s One ® Mastercard® Credit Card, earnings (which we also refer to as "pending rewards") automatically accumulate to your program earnings balance, and are usually visible on your BJ’s online account within 10 days. Accumulated earnings remain in your program earnings balance until they are added to your program rewards balance when your BJ's One® Mastercard® billing statement issues each month, provided your credit card account is in good standing. You can look up your BJ's rewards balance at BJs.com/account/rewards.
Pending rewards will be added to your rewards balance when your next BJ’s One® Mastercard ® account statement issues.
- Rewards are only redeemable for eligible purchases and membership fees at BJ’s checkout in-club, on BJs.com, or on the BJ’s mobile app.
- Your must have a minimum rewards balance of $10 to redeem, and the eligible purchase to which the rewards are applied must be at least $10 at BJ’s checkout and greater than or equal to the reward redemption amount.
- All authorized users on the BJ's One® Mastercard® account will share a membership number with the primary member and will be prompted to redeem rewards at the register.
- Under the new BJ's One® Mastercard ® program, rewards will never expire, and are yours for the life of your credit card account.
- Please note that rewards cannot be used on certain purchases at BJ's, such as in-club purchases of exempted items restricted by law or regulation; shipping; sales taxes; bottle deposits; alcoholic beverages; cigarettes or tobacco-related products; lottery tickets; gift cards; propane; gasoline; BJ’s member Services (such as BJ’s Auto Buying Program,® cellular phone services, BJ’s Optical Department,® BJ’s Travel®); BJ’s membership add-on fees (such as Same-Day Select™); purchases through delivery.BJs.com; other purchases not recorded through BJs.com or in-club front-end registers; or as posted at the Membership Desk.
All BJ's One® Mastercard® cardholders must use their BJ's One® Mastercard® credit card in the applicable purchase transaction in order to earn on their purchases, as more fully set forth in the BJ's One® Mastercard® Program Rewards Terms (see BJs.com/bjsoneterms).
You can become a BJ's One+® member by paying the membership upgrade fee of $55.* A new BJ's One+ ® Mastercard® Credit Card will automatically be mailed to you. Once you activate the new BJ's One+ ® Mastercard ® Credit Card, your BJ’s One ® Mastercard ® Credit Card will be deactivated.
* Plus state and local taxes where applicable. Fee is prorated based on primary member’s membership expiration date at time of the addition.
- Authorized users are allowed to purchase on the primary cardholder’s account, sharing a credit card and membership number. The primary cardholder may add one authorized user at the time of applying, and up to four total authorized users once the account is open. The primary cardholder is responsible for payments on all purchases.
- All purchases made using your BJ's One® Mastercard® credit card at BJ’s and at other establishments by the primary cardholder and your authorized users will earn toward rewards.
All BJ’s memberships are subject to BJ’s current membership terms, ask in-club or go to bjs.com/terms.
*For a limited time, members within their first year of membership will receive $40 in rewards when they apply and are approved for a new BJ's One® or BJ's One+® Credit Card. Rewards will be added to the membership account in approximately 7-10 business days after credit card account opening. Valid one time only. Offer valid for first time members only, and excludes Business members, trial members, online-only members, and vendor members. Excludes upgrades and downgrades. Credit card account must be in good standing. The rewards program is provided by BJ’s Wholesale Club, Inc. and its terms may change at any time. For full rewards terms and conditions, please see bjs.com/bjsoneterms and bjs.com/terms. Offer subject to change at any time without notice.
§ Estimate only. Actual rewards earnings will be determined in accordance with the full rewards terms and conditions at bjs.com/bjsoneterms and bjs.com/terms. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJ’s Gas, online optical purchases, membership fees and add-ons, warranties and protection plans, BJ’s services provided by third parties (e.g., BJ’s Travel®), BJ’s B2B and BJ’s Global Sales transactions.
1 BJ’s One ® Credit Card cardholders earn 3% back and BJ’s One+® Credit Card cardholders earn 5% back in rewards on eligible purchases of goods and services in-club at BJ’s front-end registers, on BJs.com or in the BJ’s app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJ’s One ® or BJ's One+ ® Credit Card.
Eligible purchases exclude eye exams, shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJ’s Gas®, online optical purchases, membership fees and add-ons, warranties and protection plans, BJ’s services provided by third parties (e.g., BJ’s Travel ®), BJ’s B2B and BJ’s Global Sales transactions. See bjs.com/bjsoneterms for information on excluded services. Eye exams and online optical purchases are not eligible for reward redemption.
2 There is no cap to the amount you can earn on eligible purchases with you BJ's One® Credit Card or BJ's One+ ® Credit Card, as applicable, and rewards are yours for the life of the account – they will not expire. Must have a minimum balance of $10 in rewards to redeem. Minimum eligible purchase amount is $10 at BJ's checkout.
3 BJ’s One® Credit Card cardholders earn 1.5% back and BJ’s One+® Credit Card cardholders earn 2% back, as applicable, in rewards on purchases made outside of BJ’s with their BJ’s One® or BJ's One+ ® Credit Card, minus any returns, refunds or credit adjustments. Purchases at BJ’s clubs, BJ’s Gas®, BJs.com, BJ’s app, and B2B and BJ’s Global Sales transactions are not “outside of BJ’s.”
4 Receive an instant discount of 10¢ off each gallon of fuel at BJ's Gas® when you use your BJ’s One® Credit Card or 15¢ off each gallon of fuel at BJ's Gas® when you use your BJ’s One+® Credit Card to pay for your fuel purchase and scan the associated membership card. BJ's Gas® purchases are not eligible purchases and do not earn rewards. For MD and NJ transactions, discount will be applied after sale, before payment. Subject to applicable state law restrictions.
5 Offer valid 12/6-12/24. Bonus reward earnings may take up to one month after the promotion period ends to add to your membership card (for The Club+ Card members) or pending earnings (for BJ’s One® Mastercard® cardholders). 2X bonus earnings will be applied to eligible purchases at BJ’s front-end registers, on BJs.com, or in the BJ’s app during the promotion period (“Eligible Items”). BJ’s One® Credit Card cardholders earn 6% back in rewards (instead of 3%) and BJ’s One+® Credit Card cardholders earn 10% back in rewards (instead of 5%), minus any redeemed rewards, returns, refunds, or credit adjustments, on Eligible Items when they pay for these purchases with their BJ’s One® Credit Card or BJ’s One+® Credit Card, as applicable. The Club+ Card members earn 4% back in rewards (instead of 2%) (not to exceed $500 in any 12-month period), minus any redeemed rewards, returns, refunds, or credit adjustments, on Eligible Items when they scan their membership card for these purchases, unless the primary member or the member making the purchase is a cardholder in the BJ’s One® Mastercard® program, in which case the member will only earn rewards in accordance with the BJ’s One® Mastercard® program rewards terms (see bjs.com/bjsoneterms). The Business Club+ Card members and BJ’s Business Elite® Credit Card cardholders are excluded and may not participate in this offer. Purchases made using third party digital wallets (ex. Apple Pay®) are excluded from this offer. The rewards program is provided by BJ’s Wholesale Club, Inc. and its terms may change at any time. For full rewards terms and conditions, please seebjs.com/bjsoneterms andbjs.com/terms. Offer subject to change at any time without notice
Credit card offers are subject to credit approval.
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