Purchase APR
18.99–29.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $869.70
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44
BJ's One + Mastercard
Capital One, National Association
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
18.99–29.24%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
29.24%
≤619
29.24%
620–719
29.24%
720+
19.99%
Lowest offered18.99%
Median28.99%
Highest offered29.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.99%
Median29.24%
Highest offered29.24%
Every fee on this card
Annual feeNone
Balance transfer fee3%
Cash advance fee5% (min $5)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Late fee policy: Up to $29.00 for first late fee. Late Fee <= Minimum Payment.
Rewards, benefits and features
Rewards
- Other rewards
Services
- Access to Free Credit Scores
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Issuer note: Points
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-903-9177
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 28.99%$869.70
Annual / periodic fees$0
Total yearly cost$869.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
20 documents filed by Capital One, National Association in the 2026 Q1 archive.
- Credit Card Agreement for Consumer No Preset Spending Limit Cards in Capital One, N.A.226 KB
- Credit Card Agreement for Discover228 KB
- Credit Card Agreement for T-Mobile Visa® in Capital One N.A.216 KB
- Credit-Card-Agreement-for-Bass-Pro-Shops-CLUB-Cards-in-Capital-One-N.A.251 KB
- Credit-Card-Agreement-for-BJs-Mastercard-Cards-in-Capital-One-N.A.220 KB
- Credit-Card-Agreement-for-Cabelas-CLUB-Cards-in-Capital-One-N.A.294 KB
More from this issuer
Purchase APR
29.99–30.24%
Annual fee
None
Foreign fee
None
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $907.20
Purchase APR
17.74–27.24%
Annual fee
None
Foreign fee
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0% purchases · 15 mo0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $809.70
Purchase APR
16.49–29.24%
Annual fee
None
Foreign fee
None
0% purchases · 6 mo0% transfers · 18 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $757.20