Pick your card / Capital One
Best gift card stacks for the Capital One BJ's One+ Mastercard
5% on eligible BJ's purchases, 2% outside BJ's. Earns BJ's rewards; this is a co-branded credit card.
35.6% best live stack: Lucy's Burgers at Sam's Club
What this card earns at each retailer
| Retailer | Card earn | Notes |
|---|---|---|
| Costco | 2% 2% (outside BJ's) | |
| Sam's Club | 2% 2% (outside BJ's) | acceptance not verified |
| BJ's | 0% 0% (gift cards excluded) | BJ's excludes gift cards from eligible purchases. |
- Requires a BJ's Club+ membership. Gift cards bought at BJ's earn no rewards on this card.
Top live stacks with this card
| Net | Gift card | The math | Found |
|---|---|---|---|
| 35.6% | Lucy's Burgers $19.91 for $30 at Sam's Club | 33.6% off + no portal + 2% card (2% (outside BJ's)) = 35.6% | samsclub.com, verified Oct 23, 2026 |
| 32.7% | Cold Stone Creamery $20.79 for $30 at Sam's Club | 30.7% off + no portal + 2% card (2% (outside BJ's)) = 32.7% | samsclub.com, verified Oct 23, 2026 |
| 32.7% | Cold Stone Creamery $20.79 for $30 at Sam's Club | 30.7% off + no portal + 2% card (2% (outside BJ's)) = 32.7% | samsclub.com, verified Oct 23, 2026 |
| 32.2% | Celtic Cowboy $34.91 for $50 at Sam's Club | 30.2% off + no portal + 2% card (2% (outside BJ's)) = 32.2% | samsclub.com, verified Oct 23, 2026 |
| 32.2% | China Café $34.91 for $50 at Sam's Club | 30.2% off + no portal + 2% card (2% (outside BJ's)) = 32.2% | samsclub.com, verified Oct 23, 2026 |
| 32.2% | Headshots Bar and Grill $34.91 for $50 at Sam's Club | 30.2% off + no portal + 2% card (2% (outside BJ's)) = 32.2% | samsclub.com, verified Oct 23, 2026 |
| 32.2% | Ji-Roz $34.91 for $50 at Sam's Club | 30.2% off + no portal + 2% card (2% (outside BJ's)) = 32.2% | samsclub.com, verified Oct 22, 2026 |
| 32.2% | Nalley Fresh $34.91 for $50 at Sam's Club | 30.2% off + no portal + 2% card (2% (outside BJ's)) = 32.2% | samsclub.com, verified Oct 23, 2026 |
| 32.2% | Sushifork $34.91 for $50 at Sam's Club | 30.2% off + no portal + 2% card (2% (outside BJ's)) = 32.2% | samsclub.com, verified Oct 23, 2026 |
| 32.2% | Up Roll Café $34.91 for $50 at Sam's Club | 30.2% off + no portal + 2% card (2% (outside BJ's)) = 32.2% | samsclub.com, verified Oct 23, 2026 |
| 32.1% | Bahama Bucks $17.48 for $25 at Sam's Club | 30.1% off + no portal + 2% card (2% (outside BJ's)) = 32.1% | samsclub.com, verified Oct 23, 2026 |
| 32.1% | Bahama Buck's $20.98 for $30 at Sam's Club | 30.1% off + no portal + 2% card (2% (outside BJ's)) = 32.1% | samsclub.com, verified Oct 23, 2026 |
| 32.0% | Bahama Buck's $34.99 for $50 at Costco | 30.0% off + no portal + 2% card (2% (outside BJ's)) = 32.0% | costco.com, verified Oct 23, 2026 |
| 32.0% | California Pizza Kitchen $69.99 for $100 at Costco | 30.0% off + no portal + 2% card (2% (outside BJ's)) = 32.0% | costco.com, verified Oct 23, 2026; ends Nov 1, 2026 |
| 27.8% | Potbelly $37.12 for $50 at Sam's Club | 25.8% off + no portal + 2% card (2% (outside BJ's)) = 27.8% | samsclub.com, verified Oct 23, 2026 |
| 27.3% | Alamo Drafthouse $18.68 for $25 at Sam's Club | 25.3% off + no portal + 2% card (2% (outside BJ's)) = 27.3% | samsclub.com, verified Oct 23, 2026 |
| 27.1% | Krispy Kreme $22.48 for $30 at Sam's Club | 25.1% off + no portal + 2% card (2% (outside BJ's)) = 27.1% | samsclub.com, verified Oct 22, 2026 |
| 27.0% | Krispy Kreme $44.99 for $60 at Costco | 25.0% off + no portal + 2% card (2% (outside BJ's)) = 27.0% | costco.com, verified Oct 23, 2026 |
| 27.0% | inKind $74.98 for $100 at Sam's Club | 25.0% off + no portal + 2% card (2% (outside BJ's)) = 27.0% | samsclub.com, verified Oct 23, 2026 |
| 27.0% | Crew Carwash $74.98 for $100 at Sam's Club | 25.0% off + no portal + 2% card (2% (outside BJ's)) = 27.0% | samsclub.com, verified Oct 23, 2026 |
Card points valued at 1¢ each. No portal cashback appears in today's data for these deals. Check the retailer's terms and your card's network before buying.
Sources
- www.bjs.com, checked Oct 21, 2026: "BJ's One+ Mastercard ... Earn 5% back in rewards on Eligible Purchases. Earn 2% back in rewards on all other purchases made outside of BJ's ... Eligible Purchases exclude ... gift cards"
Card image: issuer card art from www.capitalone.com.
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