Your new BJ’s One^™ Mastercard^®
has benefits.

The bank that issues your BJ’s credit card has changed to Capital One. It’s time to activate your card and set up your online account if you haven’t already.

Enroll Now

It’s to set up your online account.

See how simple it is to enroll and manage your account online with Capital One. You’ll be able to make payments, set up paperless statements, add an authorized user and more.

IMPORTANT: Already using your card on BJs.com or in a mobile wallet? Don't forget to activate your physical card so that you can use your card at the gas pump, in-club or anywhere else Mastercard is accepted! To do this, make sure you:

Click the “Enroll Now” button at the top of this page
Set up your Capital One online account or sign in
Follow the prompts to activate your physical card

Get ready to yourself

BJ's One^™ Mastercard^®
Replacing the BJ's Perks Plus^® Mastercard^® Credit Card
- 3% back in rewards on most BJ's purchases¹
- 10¢ off/gal. at BJ's Gas^®²
- 1.5% back in rewards everywhere else Mastercard^® is accepted³
- World Mastercard^® status
BJ's One+^™ Mastercard^®
Replacing the BJ's Perks Elite^® Mastercard^® Credit Card
- 5% back in rewards on most BJ's purchases⁴
- 15¢ off/gal. at BJ's Gas^®⁵
- 2% back in rewards everywhere else Mastercard^® is accepted⁶
- World Mastercard^® status
BJ's Business Elite^™ Mastercard^®
Replacing both the BJ's Business Perks Plus^® Mastercard^® and BJ's Business Perks Elite^® Mastercard^®
- 5% back in rewards on most BJ's purchases⁷
- 15¢ off/gal. at BJ's Gas^®⁸
- 2% back in rewards everywhere else Mastercard^® is accepted⁹
- World Elite Mastercard^® status

All cards have no annual fee and no foreign transaction fees.

You can find your BJ’s membership number on the back of your credit card.

Your new card is packed with benefits.

Unlimited rewards that never expire

When you earn rewards, they’ll never expire—ever.¹⁰ Redeem your rewards at BJ’s on all your favorites.¹¹

A membership that renews itself

If you’re enrolled in BJ’s Easy Renewal^®, your membership renews automatically. There—one less thing to do.¹²

Cardholder exclusives

Score extra savings with offers especially for cardholders.

Want more details? Here’s what you need to know.

Activating your card

You MUST activate your card before using it in-club, at BJ’s Gas, or anywhere else. Your old card will no longer work.¹³ Already using your card on BJs.com or in a mobile wallet? Don't forget to activate your physical card so that you can use your card at the gas pump, in-club or anywhere else Mastercard is accepted! To do this, make sure you:

Click the “Enroll Now” button at the top of this page
Set up your Capital One online account or sign in
Follow the prompts to activate your physical card

Paying your bill

If you are mailing in your monthly payments, those can be mailed to Capital One, P.O. Box 71087, Charlotte, NC 28272-1087 with your Capital One account information until you receive your first billing statement from Capital One. Your Capital One Billing Statement will include a payment Coupon that can be mailed with your payment. Once you have received your first statement from Capital One, you should mail payments to Capital One at the address listed on the payment coupon. Please see "What changed about the way I make payments?" on the FAQ page for details on more ways to pay your bill: https://bjsone.capitalone.com/faq.

There is a new payment mailing address and phone number, and your payment due date may have changed. Your balance and any promotional offers have converted automatically. See your first billing statement from Capital One for more information.

If you were enrolled in the BJ’s Easy Renewal program, this has transferred to your new card, and your current membership fee for all memberships on your account, plus any applicable membership add-ons and tax, will be automatically billed to your new card on the first of the month in which your membership expires.¹² Eligible membership credits will also transfer.

If you want to make payments from your existing online bank account to pay Capital One, please make sure to update the payment information as follows. Update the account number with the full 16 digit account number found on your most recent credit card or statement. Your payment will be rejected if you do not provide the 16 digit account number. Select the Capital One product you are attempting to pay such as Capital One Credit Cards. If prompted, enter in the remittance address found on your statement.

Reschedule automatic or future-dated payments

If you’ve set up automatic monthly payments (to pay balances on your card), those settings and scheduled payments may have transferred to your new Capital One account. You should have received a letter or an email, which will notify you if your AutoPay settings have or have not transferred. Any one-time scheduled future-dated payments may not have been transferred, so be sure to check your new account if you had scheduled a future-dated payment.

Authorized users

Earning rewards

You can now begin earning rewards under the new program, and any unexpired awards have converted to rewards. Plus, now they never expire.¹⁰ You may experience a slight delay in viewing your rewards in the Capital One Mobile app, in your online account and on your statements after your account transfers on 2/24/23. Rewards earned from new transactions will be added to your rewards balance when your next BJ’s One™ Mastercard® account statement issues.

Digital tools

What if I don’t receive my card by February 27?

All cardmembers who are eligible to receive one should have a card shipped by February 27, but it may arrive by March 9. After February 27, there are still other ways that you may use your account to make purchases:

Virtual Card Number: Download the Capital One Mobile app starting February 27 to set up your online account. From there, you can get a virtual card number to use at checkout.
BJs.com and ExpressPay®: If you’ve already added your BJ’s Perks Plus® Mastercard® or BJ’s Perks Elite Mastercard to your digital wallet on BJs.com, or you add it by February 22, it will automatically be updated on February 27, 2023. You can then use your new card on BJs.com or use ExpressPay when shopping in-club.

If you have not received your new BJ’s One Mastercard by March 9 or have other questions, please call the number on the back of your existing BJ's Mastercard for further assistance.

Visit our FAQ page for even more information

FAQ

Let us know what you think

We want to update this site based on what we hear from you, though you may not hear back directly from us.

¹ BJ’s One^™ Credit Card holders earn 3% back in rewards on eligible purchases of goods and services in-club at BJ’s front-end registers, on BJs.com or in the BJ’s app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJ’s One^™ Credit Card. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJ’s Gas^®, online optical purchases, membership fees and add-ons, warranties and protection plans, BJ’s services provided by third parties (e.g., BJ’s Travel^®), BJ’s B2B and BJ’s Global Sales transactions. See BJs.com/BJsOneTerms for information on excluded services.

² Receive an instant discount of 10¢ off each gallon of fuel at BJ’s Gas^® when you use your BJ’s One^™ Credit Card to pay for your fuel purchase and scan the associated membership card. BJ’s Gas® purchases are not eligible purchases and do not earn rewards.

³ BJ’s One^™ Credit Card holders earn 1.5% back in rewards on purchases made outside of BJ’s with their BJ’s One^™ Credit Card, minus any returns, refunds or credit adjustments. Purchases at BJ’s clubs, BJ’s Gas^®, BJs.com, BJ’s app, and B2B and BJ’s Global Sales transactions are not “outside of BJ’s.”

⁴ BJ’s One+^™ Credit Card holders earn 5% back in rewards on eligible purchases of goods and services in-club at BJ’s front-end registers, on BJs.com or in the BJ’s app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJ’s One+^™ Credit Card. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, BJ’s Gas^®, online optical purchases, membership fees and add-ons, warranties and protection plans, BJ’s services provided by third parties (e.g., BJ’s Travel^®), BJ’s B2B and BJ’s Global Sales transactions. See BJs.com/BJsOneTerms for information on excluded services.

⁵ Receive an instant discount of 15¢ off each gallon of fuel at BJ’s Gas^® when you use your BJ’s One+^™ Credit Card to pay for your fuel purchase and scan the associated membership card. BJ’s Gas^® purchases are not eligible purchases and do not earn rewards.

⁶ BJ’s One+^™ Credit Card holders earn 2% back in rewards on purchases made outside of BJ’s with their BJ’s One+^™ Credit Card, minus any returns, refunds or credit adjustments. Purchases at BJ’s clubs, BJ’s Gas®, BJs.com, BJ’s app, and B2B and BJ’s Global Sales transactions are not “outside of BJ’s.”

⁷ BJ’s Business Elite^™ Credit Card holders earn 5% back in rewards on eligible purchases of goods and services in-club at BJ’s front-end registers, on BJs.com or in the BJ’s app (minus any redeemed rewards, returns, refunds or credit adjustments) when they pay for these purchases with their BJ’s Business Elite^™ Credit Card. Eligible purchases exclude shipping, sales tax, bottle deposits, alcoholic beverages, cigarettes and tobacco-related products, lottery tickets, gift cards, propane, gasoline, BJ’s Gas^®, online optical purchases, membership fees and add-ons, warranties and protection plans, BJ’s services provided by third parties (e.g., BJ’s Travel^®), BJ’s B2B and BJ’s Global Sales transactions. See BJs.com/BJsOneTerms for information on excluded services.

⁸ Receive an instant discount of 15¢ off each gallon of fuel at BJ’s Gas^® when you use your BJ’s Business Elite^™ Credit Card to pay for your fuel purchase and scan the associated membership card. BJ’s Gas^® purchases are not eligible purchases and do not earn rewards.

⁹ BJ’s Business Elite^™ Credit Card holders earn 2% back in rewards on purchases made outside of BJ’s with their BJ’s Business Elite^™ Credit Card, minus any returns, refunds or credit adjustments. Purchases at BJ’s clubs, BJ’s Gas^®, BJs.com, BJ’s app, and B2B and BJ’s Global Sales transactions are not “outside of BJ’s.”

¹⁰ There is no cap to the amount you can earn on eligible purchases, and your BJ’s One^™, BJ’s One+^™, or BJ’s Business Elite^™ rewards are yours for the life of the account—they will not expire.

¹¹ Must have a minimum balance of $10 in rewards to redeem. Minimum eligible purchase amount $10 at BJ’s checkout.

¹² Head to BJs.com/BJsOneTerms for more information.

¹³ If for any reason your My BJ’s Perks^® Mastercard^® Account is not transferred to Capital One, Comenity Capital Bank will communicate with you as necessary to continue to administer and service your Account.

The BJ’s One^™ Mastercard^®, BJ’s One+^™ Mastercard^® and BJ’s Business Elite^™ Mastercard^® are subject to the program terms at: BJs.com/BJsOneTerms.

Mastercard is a registered trademark, and the circles design is a trademark with Mastercard International Incorporated.

Equal Housing Lender

BJ's One™ Mastercard®

BJ's One+™ Mastercard®

BJ's Business Elite™ Mastercard®

Your new card is packed with benefits.

Unlimited rewards that never expire

A membership that renews itself

Cardholder exclusives

Want more details? Here’s what you need to know.

Let us know what you think

BJ's One^™ Mastercard^®

BJ's One+^™ Mastercard^®

BJ's Business Elite^™ Mastercard^®