If you’re already familiar with saving enough to shop at wholesale clubs, you should consider getting more back with a remuneration credit card adjusted for bulk purchases. Unfortunately, you cannot use old ones Grocery credit cards – Wholesale Clubs usually do not fall under the grocery or supermarket reward category.
Instead, some of the best options are each exclusive to wholesale clubs Co-branded credit cards. These are normal Cashback Card There is no annual fee, but the reward category and redemption process are usually chained to that single retailer. Wholesale Club Cards can easily pay store membership fees with rewards and perks, but if you don’t shop frequently (or just go to a hot dog), these cards are probably Not worth it Due to strict reward conditions.
To make the best decision, we also analyze some unusual general reward cards with wholesale club categories.
Wholesale Club Top Card
Compare the top cards for wholesale clubs
| Card name | It’s perfect for | Annual fees | Recommended Credit Score | Rewards provided |
|---|---|---|---|---|
| CostcoAnywhereVisa®Cardby Citi | Costco shoppers | $0 | wonderful |
|
| Sam’s Club®Master Card® | Sam’s Club Shoppers | $0 | Good, great |
|
| BJ’s One® MasterCard® | BJ shopper | $0 | Good, great |
|
| Bank of America® Customized Cash Reward Credit Card | Wholesale Club Brands | $0 | Excellent/Good |
|
| US Bank Shopper Cash Rewards® Visa Signature® Card | Superstore and wholesale club | Annual referral fee for the first 12 months. After that, $95 | n/a |
|
How to choose a wholesale club card
Of course, the main questions surrounding card decisions revolve around the wholesale clubs you visit and the frequency. However, whether you are leaning towards a general-purpose reward card comes down to other factors such as your specific spending habits, current card listings, and wholesale club membership status.
How one bankrate expert chose his wholesale club card
“Personally, I want to keep my credit card roster to a minimum. After graduating from university a few years ago and earning my place, I came up with a wholesale card. Sam’s Club was the only major wholesale club in my area, but the only wholesale club to live in Solo, but I didn’t spend enough money to justify an upgrade from my base membership. Less than before.
What’s next?
Conclusion
Even with grocery reward categories, general credit cards usually only earn 1% rewards at wholesale clubs. Co-branded cards for selected wholesale clubs are often the best way to earn 2% or more rewards in the store. These cards are often also solid partners for other everyday purchases, and are often some of the most rewarding cards on the market for gas purchases (particularly because traditional gas categories exclude wholesale club pumps).
However, these store-specific cards may not be worthwhile for less frequent wholesale shoppers due to the premiums needed to have a headache accompanied by a reward redemption process due to the premium upgrades that store membership often requires to make the most of the cards. If you fall into this camp, we recommend that you take a strong look at one of the few cards that have a 2% flat rate reward card or wholesale club category instead.
FAQ
*Costco Anywhere® Cards, Citi, Sam’s Club® MasterCard®, BJ’s One® MasterCard®, BJ’s One® MasterCard®, US BankShopper® Visa Signature® Cards, Costco Everywhere CITI, SAM’S Club® Business MasterCard®*, (BJ’s Wholosale Club+ Club+ Club+ Club+ Club+ Club, and are not reviewed or approved by the publisher.
Information about Bank of America® Customized Cash Rewards credit cards was last updated on 6/21/25.
