BJ's One Mastercard® Credit Card

BreadFinance Mastercard Pending

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4

Benefits

2

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: bjs-one-mastercard

Issuer: BreadFinance

Card Name: BJ's One Mastercard® Credit Card

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:08

Last Scraped: Feb 11, 2026 06:31

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The issuer acknowledges the Servicemembers Civil Relief Act (SCRA) and provides contact information for Servicemembers with account questions.

Rewards Program (Detailed) 2 Categories
PENDING
Category Rate Type Description Annual Cap Status
BJ's Purchases 3x Cash Back Eligible purchases made at BJ's (in-club and BJs.com) No Cap
All Other Purchases 1x Cash Back Eligible purchases made everywhere else Mastercard is accepted No Cap
Rewards Summary
PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 3x

Categories: 3% back on most purchases at BJ's Wholesale Club

Quarterly Rotating: No

Cap Amount: $120,000.00

Expiration Policy: Rewards are issued in $10 increments and expire 6 months from the date of issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are issued in $10 increments.

Benefits & Protections (Detailed) 4 Total
PENDING
Everyday Rewards 1
Everyday Purchase Rewards
1% back

Earn 1% back in rewards on purchases made everywhere else Mastercard is accepted outside of BJ's Wholesale Club.

Financial 1
No Annual Fee
No annual fee

The BJ's One Mastercard has no annual credit card fee.

Fuel Savings 1
BJ's Gas Discount
5¢ off per gallon

Save 5 cents per gallon on fuel purchases at BJ's Gas® locations.

Shopping Rewards 1
In-Club and BJs.com Purchase Rewards
3% back

Earn 3% back in rewards on most purchases made in-club at BJ's Wholesale Club and on BJs.com.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 29.99%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $41.00
Returned Payment: $41.00
Balance Transfer: Either $10 or 5% of the amount of each balance 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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 31.24%

Balance Transfer APR: 31.24%

Cash Advance APR: 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

Promo Duration: 18 months

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6, 12, or 18 months or if you make a late payment.
Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 739
Good
Hard Pull Only
Application Process
Not Available
Not Available
Experian, Equifax, TransUnion
Issuer Rules & Policies
PENDING

Rules: The bjs-one-mastercard offers tiered rewards (e.g., 5% back on most BJ's purchases, 2% on gas, 1% elsewhere) and may include a sign-up bonus (e.g., $40 in rewards after first purchase or specific spend). Eligibility requires applicants to be 18+ years old (19+ in AL/NE), a US resident with a valid SSN, and meet Bread Financial's creditworthiness criteria. A valid BJ's membership is typically required for application and to fully utilize card benefits.

Max Cards Per Issuer: 7

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Bread Financial accounts, sudden drastic changes in spending patterns, non-BJ's related high volume spending, late payments, or suspected fraud.

Cliff Effect Rules: Not applicable; this card does not belong to a tiered card family with specific 'cliff effect' rules.

Special Events: Varies annually; typically includes member-exclusive savings events, bonus rewards on specific categories or brands within BJ's, and seasonal promotions.

Holiday Promos: Varies annually; typically includes Black Friday, Cyber Monday, and year-end holiday shopping promotions, often with bonus rewards or deferred financing options.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.2 / 5.0

Top Positive:
Strong rewards for frequent BJ's shoppers, easy application process, useful for building credit, no annual fee.

Top Negative:
Poor customer service from Comenity, high interest rates, limited value outside of BJ's, issues with online account management.

Approval Experience: 70.0 / 100

Recommended Alternatives
  • Sam's Club Mastercard
  • Capital One Quicksilver
  • Amazon Prime Rewards Visa Signature

Card Value Score: 75.0 / 100

Est. Annual Rewards: $170.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: February 2024