BJ's One™ Mastercard®
Basic Information
Program ID: my-bjs-perks-mastercard
Issuer: BreadFinance
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 15:31
Last Scraped: 01/15/2026 15:33
Fee Structure
| Annual Fee: | $55.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $55.00 |
| 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: $70.00
Spending Requirement: $100.00
Time Period: 30 days
Bonus Timing: BJ's Awards are typically posted to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Cashback
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x BJ's In-Club & BJs.com Purchases, 2x Dining & Gas (outside BJ's)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards expire 6 months from the date they are issued.
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 - 780
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: The my-bjs-perks-mastercard, issued by Bread Financial, typically offers a sign-up bonus such as a statement credit or BJ's gift card after meeting a specified spending threshold within the first 90 days of account opening. Eligibility requirements for application include being a current BJ's Wholesale Club member, being 18 years or older (19 in AL/NE), possessing a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and being a U.S. resident. All applications are subject to credit approval by Bread Financial, and income verification may be required. Store-specific restrictions apply, meaning rewards are primarily optimized for purchases made at BJ's Wholesale Club and may have specific redemption limitations.
Maximum Cards Per Issuer: 1
Minimum Spend Interval: 90 days
Shutdown Risk Triggers: Manufactured spending, failure to make timely payments, suspicious or fraudulent account activity, abuse of return policies or reward redemption mechanisms, breaching cardholder agreement terms and conditions, opening multiple credit accounts with Bread Financial in a short period, or high cumulative credit exposure across Bread Financial products relative to income.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.4 / 5.0
Top Positive Feedback:
Excellent rewards for frequent BJ's shoppers, especially on gas and in-club purchases. Good for saving money on everyday essentials at BJ's.
Top Negative Feedback:
Customer service can be slow and unhelpful. Rewards are not as strong outside of BJ's. High APR if you carry a balance.
Approval Experience Score: 78.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Amazon Prime Rewards Visa Signature Card
- Citi Double Cash Card
Card Value Score: 72.0 / 100
Est. Annual Rewards: $425.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 65 months
Store vs Co-brand: 65% Store/Related / 35% General
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: October 2023