Joss & Main Mastercard
- Annual Fee
- $0
- discount · Welcome Bonus
- $40
- Highest rate (conditional)
- Up to 7X (Joss Main)
Terms checked against the issuer on November 4, 2026
At a Glance
- Annual Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Joss & Main
- Credit Required
- Good
Welcome Offer
Bonus: $40 discount
Earning Rates
- 7X
Joss Main
7% back in rewards on qualifying items at Joss & Main, or 5% back when you choose up to 60 months of financing instead
- 3X
Grocery Stores
3% at grocery stores
- 2X
Online Shopping
2% online
Benefits & Perks
Annual Credits & Statement Credits
1 credits$40
first-year / eligibility-dependent
$40 off first order
$40 off your qualifying first order of $250 or more. One-time offer for new accounts.
$40
One-time
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $40 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page | |
| RewardsCC API | — | RewardsCC API |
| Wayfair | Wayfair |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
