Capital OneBJ's One MastercardRegistry illustration · issuer artwork unavailable

BJ's One MastercardCapital One · N bank, CT · FDIC 4297

CurrentLast observed Oct 4, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · unsecured

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Purchase APR

18.99%–29.24%

great to no score

Balance transfer

—

Cash advance APR

28.99%–29.24%

variable

Annual fee

a year

Foreign fee

Grace period

25 days

from cycle close

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchasesintroductory rate first
Introductory	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Great credit	median 19.99%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Good credit	median 29.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Poor credit	median 29.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
No credit score	median 29.24%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
All applicants	18.99%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
APR for balance transfers	NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
APR for cash advances	28.99%–29.24% variableConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	25 days from the close of each billing cycle	—	—
How we calculate your balance	Average daily balance including new purchases	—	—
Annual fee	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Transaction fees
Cash advance	5% of the amount, minimum $5Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Balance transfer	3% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Foreign transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Penalty fees
First late fee	$29, Up to $29.00 for first late fee. Late Fee <= Minimum Payment.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Repeat late fee within six billing cycles	$40Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Returned payment	—	no source read
Other fees
None disclosed	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Over limit	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Purchase transaction	$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website
Opening conditions	Requires an active membership with BJ's Wholesale ClubConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Oct 4, 2026	—	Website

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

CFPB survey — historical cohort statistics

Reported medians describe observed cohorts at the survey date; they are not contractual APR ranges.

Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Balance Transfer Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Advance APR max, Advance APR median, Advance APR min, Cash Advance APR Offered?, Purchase APR Index, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Introductory APR Offered?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR max, Purchase APR median, Purchase APR min, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR good, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR great, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR no score, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Purchase APR Index, Purchase APR Offered?, Purchase APR poor, Variable Rate Index
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Annual Fee, Balance Computation Method, Balance Computation Method Details, Balance Transfer Grace Period, Card Features, Contact Information Types, Fee Explanation, Fee Varies?, Grace Period, Grace Period Offered?, Institution Name, Issued by Top 25 Institution, Minimum Finance Charge (Dollars), Minimum Finance Charge?, Monthly Fee, Periodic Fee Type, Periodic max, Periodic min, Product Name, Report Date, Requirements for Opening, Secured Card, Targeted Credit Tiers, Telephone Number for Consumers, Website for Consumer, Weekly Fee
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Balance Transfer Fee ($), Balance Transfer Fee (%), Balance Transfer Fee Calculation, Balance Transfer Fee Types, Balance Transfer Fees?, Minimum Balance Transfer Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Cash Advance Fee ($), Cash Advance Fee (%), Cash Advance Fee Calculation, Cash Advance Fee Types, Cash Advance Fees?, Minimum Cash Advance Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Foreign Transaction Fee ($), Foreign Transaction Fee (%), Foreign Transaction Fee Calculation, Foreign Transaction Fees Types, Foreign Transaction Fees?, Minimum Foreign Transaction Fee Amount
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Late Fee ($), Late Fee Policy Details, Late Fee Types, Late Fees?
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Late Fee Six Month Billing Cycle
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Additional Fees, Other Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Over Limit Fee ($), Over Limit Fee Types, Over Limit Fees?, Overlimit Fee Detail
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Minimum Purchase Transaction Fee Amount, Purchase Transaction Fee ($), Purchase Transaction Fee (%), Purchase Transaction Fee Calculation, Purchase Transaction Fee Type, Purchase Transaction Fees
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Consumer Financial Protection Bureau
Report Date Dec 31, 2025 · Captured Oct 4, 2026 · record cfpb:tccp:v2:2025-12-31:capital-one-national-association:bj-s-one-mastercard:0690a58deac95b4307b5e8ddb96bb4b1453338f6156b4eac13ba734f51840bdb
Fields: Other, Requirements for Opening, Requirements for Opening Types
Read exact source ↗

CFPB Good (620–719) and Great (720+) definitions ↗

History

dates on sources or when they were captured

Dec 31, 2025: Annual fee, Balance transfer APR, Balance transfer fee, Balance transfer terms, Card terms, Cash advance APR, Cash advance fee, Foreign transaction fee, Late payment fee, Other fee, Over limit fee, Purchase APR, Purchase transaction fee

Offered through: Capital One
Legal issuer: Not established by retained evidence
Regulator: FDIC certificate 4297
Branches: 252 in CT, DC, DE, LA, MD, NJ, NY, TX, VA
Sources: Government dataset · 0 documents · 0 pages cited

Documents

No republished document is bound to this product. See the sources above for the evidence behind these terms.

BJ's One MastercardCapital One · N bank, CT · FDIC 4297

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