BJs Capital One Credit Card: A Comprehensive Review

Introduction on BJs Capital One Credit Card

In the realm of membership-only warehouse clubs, BJ’s Wholesale Club stands as a prominent player, offering a wide array of products at competitive prices. To further enhance the shopping experience for its members, BJ’s has partnered with Capital One to introduce a suite of co-branded credit cards, catering to diverse spending habits and preferences. In this comprehensive guide, we delve into the details of the BJ’s Wholesale Club Capital One credit cards, exploring their features, benefits, and potential drawbacks.

BJ’s One™ Mastercard®

The BJ’s One™ Mastercard® serves as the entry point into the BJ’s Wholesale Club credit card family, offering a straightforward rewards structure and a suite of valuable benefits.

Key Features:

• 3% cash back on most BJ’s purchases: Earn 3% cash back on all eligible purchases made at BJ’s Wholesale Club, excluding gas and alcohol.
• 1.5% cash back everywhere else Mastercard® is accepted: Expand your earning potential with 1.5% cash back on all other eligible purchases made outside of BJ’s Wholesale Club.
• 10¢ off per gallon at BJ’s Gas®: Enjoy significant savings at the pump with 10¢ off per gallon of fuel at BJ’s Gas® stations.
• No annual fee: Keep your savings intact with no annual fee to worry about.

BJ’s One+™ Mastercard®

Designed for frequent BJ’s shoppers who seek to maximize their rewards, the BJ’s One+™ Mastercard® offers enhanced earning rates and exclusive perks.

Key Features:

• 5% cash back on most BJ’s purchases: Amplify your rewards with 5% cash back on all eligible purchases made at BJ’s Wholesale Club, excluding gas and alcohol.
• 2% cash back everywhere else Mastercard® is accepted: Continue earning rewards beyond BJ’s with 2% cash back on all other eligible purchases made outside of BJ’s Wholesale Club.
• 15¢ off per gallon at BJ’s Gas®: Fuel up with even greater savings, enjoying 15¢ off per gallon of fuel at BJ’s Gas® stations.
• No annual fee: Experience the benefits without the burden of an annual fee.

BJ’s Business Elite™ Mastercard®

Tailored for business owners who frequent BJ’s for their business needs, the BJ’s Business Elite™ Mastercard® provides a tailored rewards structure and valuable business-centric benefits.

Key Features:

• 5% cash back on most BJ’s purchases: Maximize your business savings with 5% cash back on all eligible purchases made at BJ’s Wholesale Club, excluding gas and alcohol.
• 2% cash back everywhere else Mastercard® is accepted: Earn rewards on essential business expenses with 2% cash back on all other eligible purchases made outside of BJ’s Wholesale Club.
• 15¢ off per gallon at BJ’s Gas®: Fuel your business fleet with substantial savings, enjoying 15¢ off per gallon of fuel at BJ’s Gas® stations.
• No annual fee: Manage your business costs effectively with no annual fee.

Shared Benefits:

Across all three BJ’s Wholesale Club Capital One credit cards, cardholders enjoy a range of shared benefits, including:

• Easy redemption options: Redeem your earned cash back directly into your BJ’s account or as a statement credit.
• Unlimited rewards that never expire: Your accumulated cash back never diminishes, allowing you to save at your own pace.
• BJ’s Easy Renewal®: Automatically renew your BJ’s membership without hassle.
• Cardholder exclusives: Access special offers and promotions exclusively for cardholders.

Eligibility and Application Process for BJs Capital One Credit Card

To be eligible for any of the BJ’s Wholesale Club Capital One credit cards, you must be a BJ’s Wholesale Club member. You can apply online or in-store at any BJ’s Wholesale Club location. The application process typically involves submitting basic personal and financial information, and approval decisions are usually made within a few minutes.

Potential Drawbacks for BJs Capital One Credit Card

While the BJ’s Wholesale Club Capital One credit cards offer attractive rewards and benefits, there are a few potential drawbacks to consider:

• Limited rewards outside of BJ’s: The rewards structure is heavily focused on spending at BJ’s Wholesale Club, which may not align with the spending habits of all individuals or businesses.
• No welcome bonus: Unlike many other credit cards, the BJ’s Wholesale Club Capital One credit cards do not offer a welcome bonus, which could be appealing to those seeking an immediate boost in rewards.

Conclusion on BJs Capital One Credit Cards

The BJ’s Wholesale Club Capital One credit card is a great option for BJ’s members who want to earn rewards on their purchases. The card offers a competitive rewards program, no annual fee, and a number of other valuable benefits. If you’re a BJ’s member, I recommend considering this card.

BJs Capital One Credit Card Compared to other Wholesale club cards

The BJ’s Wholesale Club Capital One credit card is a good option for BJ’s members who want to earn rewards on their purchases. However, it’s important to compare this card to other cards on the market to find the best one for your needs.

Here is a table that compares the BJ’s Wholesale Club Capital One credit card to other popular warehouse club credit cards:

Feature	BJs Capital One Credit Card	Sam’s Club® Mastercard®	Costco Anywhere Visa® Card by Citi
Rewards	2% back on most BJ’s purchases, 10¢ off per gallon at BJ’s Gas®, 1% back on all other purchases	5% back on in-club purchases, 3% back on dining and fuel, 2% back on travel and Sam’s Club online purchases, 1% back on all other purchases	2% back on all purchases at Costco and Costco.com
Annual Fee	No annual fee	No annual fee	$95 annual fee

As you can see, the BJs Capital One credit card offers a competitive rewards program, especially for BJ’s members. However, if you’re not a BJ’s member, you may want to consider another card.

Additional Tips

• To maximize your rewards, use your BJ’s Wholesale Club Capital One credit card for all of your BJ’s purchases.
• Take advantage of BJ’s Easy Renewal® to ensure that your BJ’s membership never lapses.
• Sign up for BJ’s email alerts to receive exclusive offers and promotions.

By following these tips, you can get the most out of your BJ’s Wholesale Club Capital One credit card.