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.
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Chase Ultimate Rewards »
Point System
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JP Morgan Chase »
Bank
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$1,340 1st Year Value
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75,000 Bonus Points
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$7,500 Minimum Spend
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1.6¢ Max Point Value
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Cash in Cents »
Point System
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CitiBank »
Bank
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$0 1st Year Value
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0 Bonus Points
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$0 Minimum Spend
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1.0¢ Max Point Value
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Our Top Selections for Wholesale Clubs (+)
| Multiplier | Point Value | Per $ Spent | ||
|---|---|---|---|---|
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Chase Ink Business Unlimited 1.5x on all purchases. |
1.5x | 1.6¢ | 2.4¢ |
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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 | ||
|---|---|---|---|---|
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Discover It Miles 1.5x back on statement plus 1.5x matching at the end of year one only |
3x | 1.0¢ | 3.0¢ |
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Wells Fargo Active Cash 2% cash back on all purchases |
2x | 1.5¢ | 3.0¢ |
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Capital One Spark Cash Plus Business 2% cash back on all purchases |
2x | 1.1¢ | 2.2¢ |
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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¢ |
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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 | ||
|---|---|---|---|---|
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US Bank Leverage On two highest categories per statement. |
2x | 1.2¢ | 2.4¢ |