BJ's One™ Mastercard®
Basic Information
Program ID: bjs-one-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:08
Last Scraped: 01/15/2026 15:10
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | Yes |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $40.00
Spending Requirement: $0.00
Time Period: 30 days
Bonus Timing: Typically within 1-2 billing cycles after the requirement is met.
Rewards Program
Reward Type: BJ's Rewards
Base Reward Rate: 0.01%
Bonus Reward Rate: 0.03%
Bonus Categories: 3x BJ's In-Club, 3x BJs.com
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 6 months from issuance.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 700 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The BJ's One Mastercard offers ongoing rewards rather than a traditional sign-up bonus. Eligibility for the card requires applicants to be at least 18 years old, a U.S. resident, possess a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and crucially, maintain an active BJ's Wholesale Club membership. Approval typically requires a fair to good credit score (mid-600s and above) and sufficient verifiable income. Store-specific restrictions apply to reward earning and redemption, primarily dictating that the highest reward rates are earned on purchases made at BJ's Wholesale Club or BJs.com.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: Not applicable for a traditional sign-up bonus; rewards are earned on an ongoing basis.
Shutdown Risk Triggers: Common triggers for account review or shutdown include: prolonged account inactivity, missed or late payments, high credit utilization across all BreadFinance accounts, suspected fraudulent activity, abuse of BJ's return policies, and attempts at manufactured spending (though less common for store-specific rewards). Rapid accumulation of multiple BreadFinance-issued credit cards within a short timeframe may also lead to increased scrutiny.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Strong rewards for BJ's purchases, good gas savings, relatively easy approval for store loyalists.
Top Negative Feedback:
High APR, limited value outside of BJ's, customer service can be challenging, rewards structure can be complex.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Amazon Prime Rewards Visa Signature Card
- Capital One SavorOne Cash Rewards Credit Card
Card Value Score: 65.0 / 100
Est. Annual Rewards: $300.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 40% General / 60% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0