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BJ's One+ Mastercard vs BJ's One Mastercard

Updated September 17, 2026 · from RightCard's verified card and merchant data

BJ's One+ Mastercard earns more in 9 of 9 categories (restaurants, supermarkets, gas stations, travel), BJ's One Mastercard in 0, with 0 tied. BJ's One+ Mastercard: no annual fee. BJ's One Mastercard: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Every category, side by side

Published everyday rates. For points cards the value in brackets uses our conservative travel estimate; as cash, points are worth 1¢. No welcome bonuses, no limited-time offers.

CategoryBJ's One+ MastercardBJ's One MastercardWins
Restaurants2%1.5%BJ's One+ Mastercard
Supermarkets2%1.5%BJ's One+ Mastercard
Gas stations2%1.5%BJ's One+ Mastercard
Travel2%1.5%BJ's One+ Mastercard
Online shopping2%1.5%BJ's One+ Mastercard
Drugstores2%1.5%BJ's One+ Mastercard
Transit & rideshare2%1.5%BJ's One+ Mastercard
Streaming2%1.5%BJ's One+ Mastercard
Everything else2%1.5%BJ's One+ Mastercard

Fee and credits

CardAnnual feeStatement creditsCredits, face value
BJ's One+ Mastercardno annual feenone verified—
BJ's One Mastercardno annual feenone verified—

Credits count only if you would spend there anyway. Tick the ones you would use and get each card's fee verdict →

Built-in store rates

CardStoreRate
BJ's One+ MastercardBJ's Wholesale Club5%
BJ's One MastercardBJ's Wholesale Club3%

Carrying both

Together they cover 9 of 9 categories above the other card's rate. See the pair as one wallet, then add the rest of your cards.

BJ's One+ Mastercard in full → · BJ's One Mastercard in full →

How RightCard handles this: add both cards and the app picks between them 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.

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FAQ

BJ's One+ Mastercard or BJ's One Mastercard: which earns more?

BJ's One+ Mastercard earns more in 9 of 9 categories (restaurants, supermarkets, gas stations, travel), BJ's One Mastercard in 0, with 0 tied. BJ's One+ Mastercard: no annual fee. BJ's One Mastercard: no annual fee. Counting categories is not the same as counting your spend: the winner for you is the one that wins where your money goes.

Which has the lower annual fee, BJ's One+ Mastercard or BJ's One Mastercard?

BJ's One+ Mastercard: no annual fee. BJ's One Mastercard: no annual fee.

Should I get both?

Only if each wins a category you spend in. Together they lead in 9 of 9 categories; the rate-my-wallet tool shows the pair as one wallet.

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.

More guides: All comparisons · Rate my wallet · Every verified card