BJ’s One™ Mastercard®
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The BJ’s One™ Mastercard® from Capital One earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 1.5%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1.5x points.
What does the BJ’s One™ Mastercard earn in each category?
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how BJ’s One™ Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1.5% effective value (1.5x points at about 1 cents each). That dining rate ranks higher than about 35% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how BJ’s One™ Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1.5x points | 1.5% Top category |
| Grocery Supermarkets and grocery stores | 1.5x points | 1.5% |
| Gas Gas stations and fuel | 1.5x points | 1.5% |
| Travel Flights, hotels, transit | 1.5x points | 1.5% |
| Other General everyday spend | 1.5x points | 1.5% |
Madeen values BJ’s Rewards at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the BJ’s One™ Mastercard?
The BJ’s One™ Mastercard fits spenders who put meaningful volume in dining and can earn 1.5x points. Best for spenders who put meaningful volume in dining and can earn 1.5x points.
BJ’s One™ Mastercard fits spenders who put meaningful volume in dining and can earn 1.5x points. Madeen ranks its dining effective rate higher than about 35% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1.5x points.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1.5% effective (1.5x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- BJ’s Rewards value depends on how you redeem, not straight cash back.
Does the BJ’s One™ Mastercard have an annual fee?
The BJ’s One™ Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the BJ’s One™ Mastercard?
The BJ’s One™ Mastercard includes Gas Discount, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Related encyclopedia topics
Common questions about the BJ’s One™ Mastercard
Is the BJS one MasterCard worth it?
The BJ’s One™ Mastercard® from Capital One earns up to 1.5% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
What credit score is needed for a BJ's Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the BJ’s One™ Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the BJ’s One™ Mastercard have an annual fee?
The BJ’s One™ Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the BJ’s One™ Mastercard?
Dining is the strongest Madeen category for the BJ’s One™ Mastercard at about 1.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the BJ’s One™ Mastercard charge foreign transaction fees?
The BJ’s One™ Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the BJ’s One™ Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the BJ’s One™ Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the BJ’s One™ Mastercard compare to similar cards?
Compare the BJ’s One™ Mastercard against Pottery Barn Key Rewards Visa (4% on Dining, $0 fee); SavorOne Dining Rewards (4% on Dining, $95 fee); The Key Rewards Visa (4% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
BJ’s One™ Mastercard This card | Dining | 1.5% | $0 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $95 |
Capital One | Dining | 4% | $0 |
Capital One | Dining | 4% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Capital One and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Capital One. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure