Best Credit Card for Wholesale Clubs

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.

Our Top Selections for Wholesale Clubs (+)

Multiplier Point Value Per $ Spent
Chase Ink Business Unlimited Chase Ink Business Unlimited

1.5x on all purchases.

1.5x 1.6¢ 2.4¢
Costco Anywhere Visa Costco Anywhere Visa

On purchases from Costco & Costco.com

2x 1.0¢ 2.0¢

Other Cards with Solid Value for Wholesale Clubs (=)

Multiplier Point Value Per $ Spent
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 1.5¢ 3.0¢
Capital One Spark Cash Plus Business Capital One Spark Cash Plus Business

2% cash back on all purchases

2x 1.1¢ 2.2¢
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 1.0¢ 2.0¢
Bank of America Travel Rewards Bank of America Travel Rewards

1.5 back on all purchases.

1.5x 1.0¢ 1.5¢

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

Multiplier Point Value Per $ Spent
US Bank Leverage US Bank Leverage

On two highest categories per statement.

2x 1.2¢ 2.4¢