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Rewards Calculator: Is The BJ's One+™ Mastercard® Worth It?

BJ's One+™ Mastercard®

Earning Rates

  • Earn 5% back on in-store purchases at BJ's locations, online purchases made at, and purchases made through the BJ's app.
  • Earn 2% back on all other purchases.

Main Benefits

  • Get 15¢ off every gallon of fuel purchased with BJ's Gas when you use your BJ's One+ Mastercard.

Our Take

The BJ's One+™ Mastercard® is an exclusive card for BJ's Club+ Card members and is the best option for maximizing your rewards with BJ's. If you spend more than $230 per month at BJ's, this is the card to go for. If not, you'll want to take a step down to BJ's Club Card member and pick up the BJ's One™ Mastercard®.

BJ's Rewards Calculator

Use the rewards calculator to calculate how many rewards you can earn with the BJ's One+ Mastercard based on how much you spend across different categories. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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