The BJ's One+ Mastercard and Costco Anywhere Visa Card are two credit cards designed to enhance the shopping experience for members of their respective warehouse clubs.
Both cards offer attractive rewards and benefits tailored to the preferences of their target audience. Let's compare them side by side:
General Comparison: BJ’s One+ vs. Costco Card
The BJ's One+ Mastercard, issued by Capital One, offers a generous cashback program that caters to regular BJ's shoppers while also providing solid rewards across other spending categories. In comparison, the Costco Anywhere Visa Card by Citi, exclusive to Costco members, delivers attractive rewards for those who shop at Costco.
While both cards have no annual fee, it's essential to consider the membership requirements of each warehouse club. The BJ's One+ Mastercard is tied to BJ's Wholesale Club, while the Costco Anywhere Visa Card requires Costco membership.
The choice between the two cards ultimately depends on individual spending habits and brand loyalty, with consumers opting for the card that aligns better with their specific needs and preferences within the respective warehouse club ecosystems.
Top Offers
Top Offers From Our Partners
Top Offers
BJ's One+ vs. Costco Cashback: Which Card Gives More?
If all your supermarket and gas purchases are made at either Costco or BJ's, the BJ's One+ Mastercard is the better choice for cashback. Its more favorable points and rewards structure leads to a higher estimated annual cashback compared to the Costco card.
It's important to note that while Costco offers cash back, it is issued annually as a credit card reward certificate. This certificate becomes accessible after the conclusion of your February billing statement and can be redeemed for cash or merchandise at Costco Warehouses throughout the United States.
|
| |
|---|---|---|
Spend Per Category | Costco Anywhere Visa Card | BJ's One+ Mastercard |
$15,000 – U.S Supermarkets | $300 | $750 |
$5,000 – Restaurants | $150 | $100 |
$4,000 – Travel
| $120 | $80 |
$4,000 – Gas | $160 | $80 |
Estimated Annual Cashback | $730 | $1,010 |
* Assuming all supermarkets/gas purchases made via Costco/BJs
Additional Benefits: Comparison
When it comes to extra benefits, there are no special shopping benefits. Both cards offer some extra perks for cardholders:
Costco Anywhere Visa Card
- Purchase Security and Protection: Costco's Citi card offers coverage for damaged or stolen purchases, providing potential repairs or refunds within 120 days of acquisition.
- Travel and Emergency Assistance: Costco cardholders benefit from 24/7 services, ensuring assistance with emergency travel arrangements, travel issues, medical and legal referrals, and more.
- Roadside Assistance Dispatch Service: With coverage across the U.S. and territories, Costco's Citi card provides a Roadside Assistance Dispatch Service.
- Citi Entertainment: Elevating experiences, Citi Entertainment provides exclusive access to presale tickets and special events.
- Zero Liability on Unauthorized Charges: Costco's consumer card ensures complete protection against unauthorized charges.
BJ's One+ Mastercard
Fuel Savings: Enjoy a discount of 15 cents per gallon when refueling at BJ's Gas, providing significant savings for frequent drivers.
World Mastercard Status: Elevate your credit card experience with World Mastercard privileges, offering a range of exclusive benefits and perks for cardholders.
Rewards That Last: Enjoy the perk of rewards that never expire, allowing cardholders the flexibility to accumulate and redeem cash back at their convenience.
Limitless Earnings: With no annual cap on rewards, users can consistently earn cash back on their purchases without worrying about reaching a maximum limit, providing ongoing value for their spending.
Top Offers
Top Offers
Top Offers From Our Partners
Compare The Alternatives
If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:
|
|
| |
|---|---|---|---|
Target Red Card | Apple Credit Card | Amazon Prime Rewards Visa Signature Card | |
Annual Fee | $0 | $0
| $0 ($139 Amazon Prime subscription required)
|
Rewards | 1% – 5%
5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
| 1% – 3%
3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
|
1-5%
5% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. Plus, you’ll get 2% back at gas stations, restaurants, and on local transit, and 1% on all other purchases
|
Welcome bonus | None | N/A |
$200
Get a $200 Amazon Gift Card
|
Foreign Transaction Fee | $0 | $0 | $0
|
Purchase APR | 29.45% Variable | 15.99% – 26.99% Variable
| 19.99% – 28.74% Variable
|
Compare Costco Anywhere Visa Card by Citi
Both can be a perfect choice if you're looking for a store card. What are the main things you should know before applying, and how much can you save? Here's our analysis.
Costco Anywhere Visa vs Capital One Walmart Rewards Card: Which Card Is Best?
The Costco card stands out with substantial cashback rewards on gas, dining, and Costco shopping. In which cases the Apple card may be better?
Costco Anywhere Visa Card by Citi vs Apple Card: Which Card Is Best?
Costco is a clear winner when it comes to rewards for everyday spending, but the Best Buy Card wins for gadget lovers. Here's our comparison.
My Best Buy Visa vs Costco Anywhere Visa Card: How They Compare?
The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.
In the realm of wholesale clubs, Sam's Club and Costco stand as titans. Which of them offers a better branded credit card? Here's our verdict.
Sam's Club Mastercard vs Costco Anywhere Visa Card: Which Card Is Best?
The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.
Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison
If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.
Target Red Card vs. Costco Anywhere Visa Card: How They Compare?
Compare BJ's One+ Mastercard
The BJ's One+ Mastercard wins if you focus on groceries, but Amazon's card extra shopping perks and insurance is better.
BJ’s One+ Mastercard vs. Prime Visa: Which Shopping Card Is Best?
