BJ's One+® Mastercard®
Basic Information
Program ID: bjs-one-plus-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:10
Last Scraped: 01/15/2026 15:12
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| 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: 2,999.00%
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: $40.00
Time Period: 30 days
Bonus Timing: Typically within 1-2 billing cycles after the requirement is met.
Rewards Program
Reward Type: Cash Back (BJ's Awards)
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5% back on most in-club and BJs.com purchases; 2% back on dining; 2% back on gas (non-BJ's); 1% back on all other purchases.
Point Value Estimate: 0.0100 cents/point
Expiration Policy: BJ's Rewards expire 6 months from the date of issuance.
Transfer Partners: None
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The BJ's One Plus Mastercard, issued by Bread Financial, typically offers a sign-up bonus, often in the form of a statement credit (e.g., $100-$150) after spending a specified amount (e.g., $500-$1000) within the first 90 days of account opening. Eligibility requirements for application include: being a current BJ's Wholesale Club member in good standing, being 18 years or older, possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), being a U.S. resident, and meeting Bread Financial's creditworthiness criteria (generally requiring good to excellent credit for the Mastercard version). Applicants may not be eligible for the bonus if they have previously received it for this specific card within a recent timeframe (e.g., 24 months), though Bread Financial's enforcement of such rules can be less stringent than other major issuers.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending (e.g., excessive gift card purchases, money orders), high cumulative credit limit across all Bread Financial accounts relative to reported income, rapid accumulation of new credit accounts (especially with Bread Financial), frequent balance transfers or cash advances without clear repayment, missed payments or severe delinquency on any Bread Financial account, abuse of return policies or rewards programs at BJ's, or any suspected fraudulent activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
High rewards on BJ's purchases and gas, no annual fee (with BJ's membership), and general Mastercard benefits.
Top Negative Feedback:
Frequent complaints about Comenity's customer service, high APR, and difficulties with reward redemption or account management.
Approval Experience Score: 72.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Sam's Club Mastercard
- Discover It Cash Back
Card Value Score: 82.0 / 100
Est. Annual Rewards: $440.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: October 2023