14
Benefits5
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGProgram ID: bjs-one-plus-mastercard
Issuer: BreadFinance
Card Name: BJ's One+® Mastercard®
Card Type: Credit
Network: Mastercard
Card Tier:
Approved: Pending
Data Complete: Complete
SCRA Benefits (Military Members)
The Servicemembers Civil Relief Act (SCRA) provides certain protections for servicemembers on active duty, including an interest rate reduction to 6% on balances incurred prior to active duty start date for eligible servicemembers.
Rewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| BJ's Purchases | 5x | Cash Back | Most in-club and BJs.com purchases | $10,000 | |
| BJ's Gas | 2x | Cash Back | Gas purchases at BJ's | No Cap | |
| Dining | 2x | Cash Back | Dining purchases | No Cap | |
| Non-BJ's Gas | 2x | Cash Back | Non-BJ's gas purchases | No Cap | |
| All Other Purchases | 1x | Cash Back | All other purchases everywhere else Mastercard is accepted | No Cap |
Rewards Summary
PENDINGBenefits & Protections (Detailed) 14 Total
PENDINGAirport Access 1
Mastercard Airport Concierge
15% discount on servicesProvides a personal, dedicated Meet & Greet agent to assist with airport navigation, including escort to gates, assistance with luggage, and expedited security/immigration processes at over 700 airports worldwide. Cardholders receive a 15% discount on services.
Dining 1
Cashback on Dining
2% backEarn 2% back in rewards on eligible dining purchases.
Purchase Protection 2
Extended Warranty
Up to $10,000 per incident, up to 1 additional yearDoubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases when the item is purchased with the Mastercard. Applies to warranties of five years or less. Coverage is limited to the actual cost of the item up to a maximum of $10,000 per incident.
Satisfaction Guarantee
Up to $250 per claimProvides coverage for eligible purchases if the cardholder is dissatisfied with an item and the store will not accept a return, within 60 days of the purchase date. Coverage is limited to the actual cost of the item up to a maximum of $250 per claim.
Security 2
Mastercard Identity Theft Protection
Identity monitoring and resolution servicesProvides services to help detect and resolve identity theft, including identity monitoring, alerts, and resolution services. Enrollment required.
Zero Liability Protection
Protection against unauthorized transactionsProtects cardholders from unauthorized purchases made with their Mastercard. Cardholders will not be held responsible for unauthorized transactions.
Shopping 6
Cashback on BJ's Purchases
5% backEarn 5% back in rewards on most eligible purchases made at BJ's Wholesale Club locations and on BJs.com. Exclusions apply, such as alcohol, tobacco, gasoline, gift cards, optical, travel, membership fees, taxes, and fees.
Fuel Discount at BJ's Gas
15¢ off per gallonSave 15 cents per gallon on fuel purchases at BJ's Gas locations.
Cashback on Non-BJ's Gas Purchases
2% backEarn 2% back in rewards on eligible gas purchases made outside of BJ's Gas locations.
Cashback on All Other Purchases
1% backEarn 1% back in rewards on all other eligible purchases made anywhere Mastercard is accepted, outside of BJ's and the specific 2% categories.
Rewards Redemption Increment
$10 incrementsRewards are issued in $10 increments and can be used at BJ's checkout.
Rewards Expiration
6 monthsRewards earned expire 6 months from the date they are issued.
Status Benefits 1
Complimentary BJ's Inner Circle Membership
Annual membership fee waiverBJ's One+™ Mastercard® Cardholders receive a discount equal to the then-current annual membership fee for a BJ's Inner Circle® Membership, effectively providing a complimentary membership.
Travel Insurance 1
Mastercard Global Service
24/7 emergency assistanceProvides emergency assistance services 24 hours a day, 7 days a week, for lost or stolen cards, emergency cash advances, and emergency card replacement.
Benefits Summary (Flags)
PENDINGExtended 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
PENDING$40
Cash BackFee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| 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 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
PENDINGStandard APR
Purchase APR: 21.24% - 31.24%
Balance Transfer APR: 31.24%
Cash Advance APR: 32.24%
Intro APR Offers
Intro Purchase APR: 0% for 12 months
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The BJ's One Plus Mastercard, issued by Bread Financial, typically requires applicants to be current BJ's Wholesale Club members, at least 18 years of age (19 in AL/NE), and possess a valid Social Security Number or ITIN. Applicants must also meet Bread Financial's creditworthiness criteria, generally requiring good to excellent credit for approval, and demonstrate sufficient income. The card offers a sign-up bonus, often a statement credit (e.g., $100-$150) after the first purchase or after meeting a small initial spend threshold within the first 90 days. Bonus eligibility is usually limited to new cardmembers. Store-specific restrictions apply, such as the requirement for an active BJ's membership to earn rewards and redeem benefits.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Bread Financial does not typically enforce strict 'card family' rules like some major issuers (e.g., 5/24). However, approval for new cards or credit limit increases may be impacted by the total credit exposure you have with Bread Financial. Having multiple high-limit cards with the issuer can make it more challenging to obtain additional credit products.
Special Events: BJ's Member Appreciation Days, Holiday Sales Events (e.g., Black Friday, Cyber Monday), Seasonal Promotions (e.g., Summer Savings, Back-to-School), BJ's Gas savings events, and exclusive member-only offers.
Holiday Promos: Black Friday/Cyber Monday (November-December), Christmas/New Year (December-January), Memorial Day (May), Fourth of July (July), Labor Day (September), and other major retail holidays.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.6 / 5.0
Top Positive:
Excellent rewards for BJ's members, especially 5% back on most BJ's purchases and gas savings. No annual fee for the card itself.
Top Negative:
Frequent complaints about Comenity's customer service, high APR, and limited value for spending outside of BJ's. Some users report issues with rewards redemption and account management.
Approval Experience: 65.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Sam's Club Mastercard
- Chase Freedom Unlimited
Card Value Score: 75.0 / 100
Est. Annual Rewards: $320.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: CA-BJS-0224