Best Credit Card For Wholesale Clubs

You want to maximize the return on your Wholesale Clubs credit card spends. Since not all points are of equal value, we give the best multipliers based on the value of those points.
Wholesale clubs like BJ’s, Costco and Sam’s Club are a great way to save money on everything from groceries to clothing to electronics. But some credit cards don't consider these places grocery stores or supermarkets, meaning you could be missing out on rewards. The cards below feature multipliers and bonuses on wholesale club purchases. The (+) version are the cards with the best multipliers and signup bonuses. The (-) versions have limitations you should be aware of.
Discover It Cash Back Discover It Cash Back
5X | 5.0 Per Dollar Spent
Quarterly category, ends March 31st. Excludes merchants and stand-alone stores within physical Wholesale Club locations.
Cash in Cents »
Point System
Discover »
Bank
$2
1st Year Value
1
Bonus Points
$1
Minimum Spend
1.0¢
Max Point Value
1.0¢
Max Point Value
Card Details
Citi Double Cash Citi Double Cash
2X | 3.2 Per Dollar Spent
All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off
Citi ThankYou Rewards »
Point System
CitiBank »
Bank
$316
1st Year Value
20,000
Bonus Points
$1,500
Minimum Spend
1.6¢
Max Point Value
1.6¢
Max Point Value
Card Details
Discover It Miles Discover It Miles
3X | 3.0 Per Dollar Spent
1.5x back on statement plus 1.5x matching at the end of year one only
Discover it Miles »
Point System
Discover »
Bank
$1
1st Year Value
0
Bonus Points
$1
Minimum Spend
1.0¢
Max Point Value
1.0¢
Max Point Value
Card Details
Explore More Spend Categories

Our Top Selections for Wholesale Clubs (+)

Multiplier Point Value Per $ Spent
Discover It Cash Back Discover It Cash Back

Quarterly category, ends March 31st. Excludes merchants and stand-alone stores within physical Wholesale Club locations.

 5x 1.0¢ 5.0¢
Citi Double Cash Citi Double Cash

All purchases, earn 1% cash back when you make a purchase and 1% when you pay it off

 2x 1.6¢ 3.2¢
Discover It Miles Discover It Miles

1.5x back on statement plus 1.5x matching at the end of year one only

 3x 1.0¢ 3.0¢
Wells Fargo Active Cash Wells Fargo Active Cash

2% cash back on all purchases

 2x 1.3¢ 2.6¢
Bank of America Customized Cash Rewards Bank of America Customized Cash Rewards 2x 1.0¢ 2.0¢
Citi Costco Business Citi Costco Business

On purchases from Costco & Costco.com

 2x 1.0¢ 2.0¢
Bank of America Travel Rewards Bank of America Travel Rewards

1.5 back on all purchases.

 1.5x 1.0¢ 1.5¢

Other Cards with Solid Value for Wholesale Clubs (=)

Multiplier Point Value Per $ Spent
Capital One Spark Cash Business Capital One Spark Cash Business

2% cash back on all purchases

 2x 1.3¢ 2.6¢
US Bank Business Leverage US Bank Business Leverage

On two highest categories per statement.

 2x 1.1¢ 2.2¢

Cards Offering Some Value for Wholesale Clubs with Limitations (-)

Multiplier Point Value Per $ Spent
Citi Costco Citi Costco

On purchases from Costco & Costco.com

2x 1.0¢ 2.0¢