RateHerald

Our illustration, not the card’s design

Capital One credit card

BJ’s One® Credit Card

No annual fee. Purchase APR 18.99–29.24%, variable. No foreign transaction fees.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$180$180
Typical spender$450$450
Heavy spender$990$990
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Not counted: whether rewards can be spent beyond BJ’s rewards (not stated).

$180a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$450a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$990a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 80% of the 732 cards we track.

  • No annual fee, like about 95% of the 48 cards on our Cash back list (see the list).

Other cash back cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

BJ’s rewards

How you earn

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%
Everything else

Cash back, as a share of each purchase.

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. Subject to applicable state law restrictions.
  • A minimum balance of $10 in rewards is required to redeem rewards.
  • The minimum eligible purchase amount is $10 at BJ’s checkout.
  • There is no cap on the amount you can earn on eligible purchases with the BJ’s One® Credit Card.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Foreign transactions
Grace period

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
No annual fee · capitalone.com, since Oct 11, 2026
Does it charge a foreign transaction fee?
No. · Reported to the CFPB, Dec 31, 2025, since Oct 11, 2026
What is the purchase APR?
18.99–29.24% APR · Reported to the CFPB, Dec 31, 2025, since Oct 11, 2026
See it on capitalone.com

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