BJ's Wholesale Club Credit Card
No annual fee. Purchase APR 18.99–29.24%, variable.
- Annual fee
- Issuer's pagecapitalone.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- CFPB credit card surveyReported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1.5x Purchases made outside of BJ’s with the BJ’s One® Credit Card.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
How you earn · BJ’s rewards
- 3%Eligible purchases of goods and services in-club at BJ’s front-end registers, on BJs.com or in the BJ’s app
- 1.5%Purchases made outside of BJ’s with the BJ’s One® Credit Card
Rates and fees
| Annual fee | Issuer's pagecapitalone.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | CFPB credit card surveyReported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Issuer's pagecapitalone.com “Your due date is at least 25 days after the close of each billing cycle.” |
Carrying a balance? See how long it takes to pay off
Benefits
- Receive an instant discount of 10¢ off each gallon of fuel at BJ’s Gas® when using the BJ’s One® Credit Card to pay for the fuel purchase and scanning the associated membership card.
- BJ’s Gas purchases do not earn rewards.
- No annual fee.
- Account management, virtual card access, balance checking, card lock, autopay, and the ability to select a monthly due date are available through Capital One account services and the Capital One Mobile app.
Questions
- What is the annual fee?
- No annual fee capitalone.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 18.99–29.24% APR Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
Other cash back cards with no annual fee
- Susan G. Komen Customized Cash Rewards Credit Card - Pink RibbonBank of America · No annual fee+$710 a year
- The One Key Card No Annual FeeWells Fargo · No annual fee+$650 a year
- West Elm Key Rewards VisaCapital One · No annual fee+$625 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).