Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Both cards cost $0/yr. The BJ's One+™ Mastercard® leads on everyday spending; the Chase Freedom Flex on rotating quarterly.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | BJ's One+™ Mastercard® | Chase Freedom Flex |
|---|---|---|
| Rotating Quarterly | 2X | 5X |
| Dining | 2X | 3X |
| Drugstores | 2X | 3X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
The Chase Freedom Flex wins in 2 of 3 categories. The BJ's One+™ Mastercard® leads in 1. 2 more categories depend on booking channel or caps.
Rotating Quarterly
Depends: up to $1,500/quarter; Must activate each quarter before deadline
Chase Freedom Flex earns 5X when conditions are met; BJ's One+™ Mastercard® earns 2X (2X without restrictions)
Travel
Depends: via issuer travel portal
Chase Freedom Flex earns 5X when conditions are met; BJ's One+™ Mastercard® earns 2X (2X without restrictions)
Dining
Chase Freedom Flex earns 3X vs 2X
Drugstores
Chase Freedom Flex earns 3X vs 2X
Everyday purchases
BJ's One+™ Mastercard® earns 2X on all other spending vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
Both scenarios favor the Chase Freedom Flex on net value (rewards, usable credits, fees, and welcome offer).
Everyday (non-bonus) spend earns 2X on the BJ's One+™ Mastercard® vs 1X on the other card.
| Scenario |
|---|
| BJ's One+™ Mastercard® |
|---|
| Chase Freedom Flex |
|---|
| Ongoing winner |
|---|
| Year-one winner |
|---|
| Light spender: $1,000/month | Rewards: $240 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $305 Year one: $345 | Rewards: $281 Credits (our usable estimate): $85 − Annual fee ($0) Ongoing: $366 Year one: $596 | Chase Freedom Flex | Chase Freedom Flex |
| Heavy spender: $4,000/month | Rewards: $960 Credits (our usable estimate): $65 − Annual fee ($0) Ongoing: $1,025 Year one: $1,065 | Rewards: $1,123 Credits (our usable estimate): $85 − Annual fee ($0) Ongoing: $1,208 Year one: $1,438 | Chase Freedom Flex | Chase Freedom Flex |
Get the BJ's One+™ Mastercard® if you:
Get the Chase Freedom Flex if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
