BJ's One+ Mastercard: what it earns
Updated September 17, 2026 · from RightCard's verified card and merchant data
BJ's One+ Mastercard earns a flat 2% on everything. No annual fee.
Every category, as published
The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.
| Category | Earn | ≈ value / $1 |
|---|---|---|
| Restaurants | 2% | 2¢ |
| Supermarkets | 2% | 2¢ |
| Gas stations | 2% | 2¢ |
| Travel | 2% | 2¢ |
| Online shopping | 2% | 2¢ |
| Drugstores | 2% | 2¢ |
| Transit & rideshare | 2% | 2¢ |
| Streaming | 2% | 2¢ |
| Everything else | 2% | 2¢ |
Where it beats a flat 2% card
Everywhere. It is a flat-rate card that clears the 2% bar on every purchase.
Built-in store rates
Permanent card benefits in our verified data, not offers.
| Store | Rate |
|---|---|
| BJ's Wholesale Club | 5% |
See it against the rest of your wallet →
How RightCard handles this: add the BJ's One+ Mastercard in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and
private. No bank login. Recommendations are computed on your phone.
Get RightCard on the App Store
FAQ
What does the BJ's One+ Mastercard earn at supermarkets?
2% at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.
What does the BJ's One+ Mastercard earn on everything else?
2% on purchases outside its bonus categories.
Does the BJ's One+ Mastercard have an annual fee?
No annual fee.
Where these numbers come from: RightCard's data
pipeline re-checks each card's published rates weekly and lists a rate only after two independent
sources agree. Merchant codes come from our merchant directory. If a card or store is missing here,
it is because we could not verify it, not because we guessed.
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