All credit cards
Side-by-side
BJ's One Mastercard vs PenFed Platinum Rewards Visa Signature Card
Both are cashback travel cards. The BJ's One Mastercard comes from Capital One at $0/yr; the PenFed Platinum Rewards Visa Signature Card from PenFed at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BJ's One Mastercard | PenFed Platinum Rewards Visa Signature Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | 15,000 bonus points after $1,500 spend in 90 days | |
| Bonus value (est.) | - | $128 |
| Min spend to unlock bonus | - | $1,500 in 3 mo |
| Issuer | Capital One | PenFed |
| Card category | cashback | cashback |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BJ's One Mastercard
$0/yr ·
Read the full review
PenFed Platinum Rewards Visa Signature Card
$0/yr · 15,000 bonus points after $1,500 spend in 90 days
Editorial take: PenFed Platinum Rewards Visa Signature Card
Common questions
- Which card has the bigger sign-up bonus, BJ's One Mastercard or PenFed Platinum Rewards Visa Signature Card?
- The PenFed Platinum Rewards Visa Signature Card has a public bonus (15,000 bonus points after $1,500 spend in 90 days, worth roughly $128), while the BJ's One Mastercard doesn't advertise one right now.
- Is the BJ's One Mastercard's $0 annual fee worth it compared to the PenFed Platinum Rewards Visa Signature Card?
- The BJ's One Mastercard has no annual fee, so the question is whether the PenFed Platinum Rewards Visa Signature Card's $0 fee is justified by its perks. If you'll use enough of the PenFed Platinum Rewards Visa Signature Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BJ's One Mastercard.
- Can I have both the BJ's One Mastercard and PenFed Platinum Rewards Visa Signature Card?
- Yes, since they're from different issuers (Capital One and PenFed) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BJ's One Mastercard or the PenFed Platinum Rewards Visa Signature Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. PenFed Platinum Rewards Visa Signature Card: $1,500 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.