BJ's One™ Mastercard®

BreadFinance Mastercard Pending

Back Apply Now

11

Benefits

4

Reward Categories

5x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: my-bjs-perks-mastercard

Issuer: BreadFinance

Card Name: BJ's One™ Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:31

Last Scraped: Feb 11, 2026 06:57

Apply URL: Visit

Home URL: Visit

SCRA Benefits (Military Members)

The Military Lending Act (MLA) provides protections for active duty service members, spouses, and dependents, capping the APR at 36% for covered borrowers. The Military Annual Percentage Rate (MAPR) includes certain fees for credit protection or debt cancellation products, as well as other fees, with the exception of certain bona fide fees.

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
BJ's Club & Online Purchases (BJ's One+ Mastercard) 5x Cash Back Most eligible purchases made at BJ's Wholesale Club and BJs.com with BJ's One+ Mastercard. Excludes BJ's Gas, alcohol, tobacco, lottery tickets, gift cards, membership fees. No Cap
BJ's Club & Online Purchases (BJ's One Mastercard) 3x Cash Back Most eligible purchases made at BJ's Wholesale Club and BJs.com with BJ's One Mastercard. Excludes BJ's Gas, alcohol, tobacco, lottery tickets, gift cards, membership fees. No Cap
All Other Purchases (BJ's One Mastercard) 1.5x Cash Back Most eligible purchases made everywhere else Mastercard is accepted with BJ's One Mastercard. No Cap
All Other Purchases (BJ's One+ Mastercard) 1.5x Cash Back Most eligible purchases made everywhere else Mastercard is accepted with BJ's One+ Mastercard. No Cap
Rewards Summary
PENDING

Reward Type: BJ's Perks Rewards

Base Rate: 1x

Bonus Rate: 5x

Categories: 5% back on most purchases at BJ's; 2% back on gas purchases at BJ's and everywhere else Mastercard is accepted

Quarterly Rotating: No

Cap Amount: $10,000.00

Expiration Policy: BJ's Perks Rewards expire six months from the date they are issued.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Rewards are issued in $10 increments of BJ's scrip. Not redeemable for cash. Cannot be used for purchases of alcohol, tobacco, or any other items prohibited by law. Cannot be used for purchases on BJs.com, BJ's Gas, or for membership fees.

Benefits & Protections (Detailed) 11 Total
PENDING
Security 2
Mastercard Zero Liability Protection
Full protection

Protects cardholders from unauthorized purchases made with their Mastercard. Cardholders are not held responsible for unauthorized transactions.

Mastercard ID Theft Protection
Resolution services

Provides identity theft resolution services, including assistance with credit bureau notification and replacement of lost or stolen documents. Enrollment may be required for some services.

Shopping 8
BJ's One+ Mastercard - BJ's Purchases Rewards
5% back

Earn 5% back in rewards on most eligible purchases made at BJ's Wholesale Club and BJs.com when using the BJ's One+™ Mastercard®.

BJ's Perks Elite Mastercard - BJ's Purchases Rewards
3% back

Earn 3% back in rewards on most eligible purchases made at BJ's Wholesale Club and BJs.com when using the BJ's Perks Elite™ Mastercard®.

BJ's Perks Plus Mastercard - BJ's Purchases Rewards
1.5% back

Earn 1.5% back in rewards on most eligible purchases made at BJ's Wholesale Club and BJs.com when using the BJ's Perks Plus™ Mastercard®.

BJ's Gas Purchases Rewards
2% back

Earn 2% back in rewards on eligible gas purchases made at BJ's Gas locations with any BJ's Perks Mastercard.

Everywhere Else Purchases Rewards
1% back

Earn 1% back in rewards on eligible purchases made everywhere else Mastercard is accepted, outside of BJ's and BJ's Gas, with any BJ's Perks Mastercard.

BJ's One+ Mastercard - Gas Discount
10¢ off per gallon

Receive an everyday discount of 10¢ off per gallon at BJ's Gas locations when paying with the BJ's One+™ Mastercard®.

BJ's Perks Elite Mastercard - Gas Discount
5¢ off per gallon

Receive an everyday discount of 5¢ off per gallon at BJ's Gas locations when paying with the BJ's Perks Elite™ Mastercard®.

BJ's Perks Rewards Redemption
$10 increments, expire in 6 months

Rewards are issued in $10 increments and can be redeemed for purchases at BJ's Wholesale Club. Rewards expire six months from the date they are issued.

Travel Insurance 1
Mastercard Global Service
24/7 assistance

Provides 24/7 assistance for card-related needs, including lost and stolen card reporting, emergency card replacement, and emergency cash advances.

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%

Cash Advance APR: 31.99%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Promo Financing: Special Financing

Promo Duration: 12 months

⚠️ Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 12 months.
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: New cardholders for 2026 are projected to receive a statement credit or BJ's gift card (e.g., $50-$100) after making a qualifying purchase or spending a specified amount (e.g., $100-$500) within the first 90 days of account opening. Eligibility requirements include being a current BJ's Wholesale Club member, at least 18 years of age (19 in AL/NE), possessing a valid U.S. Social Security Number or ITIN, and meeting Bread Financial's creditworthiness criteria. Applicants must be residents of the United States. Store-specific restrictions apply, meaning the card's primary benefits and highest rewards are typically realized through purchases made at BJ's Wholesale Club locations and BJs.com.

Max Cards Per Issuer: 1

Min Spend Interval: 90 days

Shutdown Risk Triggers: Manufactured spending, excessive credit seeking, rapid account opening/closing patterns, high cumulative credit exposure across Bread Financial products, abuse of return policies, fraudulent activity, or consistent failure to meet payment obligations.

Cliff Effect Rules: The primary 'cliff effect' relates to the tiered rewards structure, where spending outside of BJ's Wholesale Club or specific bonus categories (e.g., gas, dining) results in significantly lower rewards (e.g., 1% back vs. 3-5%). Additionally, loss of BJ's Wholesale Club membership may impact card benefits or lead to account closure. There are no complex card family rules like those seen with major bank issuers.

Special Events: Regular member appreciation days, exclusive cardholder discounts on specific product categories (e.g., electronics, home goods), fuel savings promotions at BJ's Gas, and special in-club events.

Holiday Promos: Black Friday/Cyber Monday (late November), Christmas/Holiday Season (December), Back-to-School (August/September), Mother's Day/Father's Day, and various seasonal sales events throughout the year.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Excellent rewards for frequent BJ's shoppers, especially on in-club purchases and gas. No annual fee and widely accepted as a Mastercard.

Top Negative:
Frequent complaints about Comenity's customer service, rewards are limited to BJ's scrip, and the APR is high if a balance is carried.

Approval Experience: 75.0 / 100

Recommended Alternatives
  • Costco Anywhere Visa Card by Citi
  • Sam's Club Mastercard
  • Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 70.0 / 100

Est. Annual Rewards: $400.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0