Best Wholesale Club Credit Cards
At a Glance
Wholesale Club credit cards are credit cards specifically designed for use at wholesale clubs like Costco, Sam’s Club, or BJ’s Wholesale Club. The primary advantage of these cards is the potential for substantial cash back rewards or discounts on purchases made at the wholesale club, which can result in significant savings.
Some wholesale club credit cards also offer additional perks like extended warranty protection, travel benefits, and exclusive access to special events or promotions. If you’re a frequent shopper and have a big family or maybe even a small business, these cards provide an opportunity to maximize savings and enjoy exclusive privileges while shopping for bulk items and everyday essentials.
In this article, you’ll learn:
Comparing the best credit cards for wholesale clubs
| Credit Card |
Reward Rate |
Welcome Offer |
|---|---|---|
Costco Anywhere Visa Card by Citi |
4% on gas 3% on restaurants 2% at Costco 1% of all other purchases | $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months |
Chase Freedom Unlimited |
1.5% Cashback | $200 bonus after you spend $500 on purchases in the first 3 months from account opening |
BJ’s Perks Mastercard |
5% in club purchases 2% cash back on dining out 1% for all other purchases | No Annual Fee |
Sam’s Club Mastercard |
5% on gas 3% on dining & travel 1% for all other purchases | Get $30 as a statement credit when you open an account and make $30 in Sam’s Club Purchases within 30 days. |
Bank of America Customized Cash Rewards |
3% cashback in a category of your choice (e.g., gas, online shopping, dining, travel, or drugstores) 2% cash back at grocery stores and wholesale clubs 1% cash back on all other purchases | $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days |
A closer look at the best wholesale club credit cards
Costco Anywhere Visa Card by Citi
For the Everyday Spender
Reward Rate:
1% to 3%
Reward Details:
4% on gas3% on restaurants 2% at Costco 1% of all other purchases
Card Summary
Signup bonus:
NA
Our verdict
This card comes with seriously appealing perks if you’re a Costco member.
Annual Fee: No annual fee with a Costco Membership
Regular APR: 20.24%
Recommended
Credit Score: Good to excellent 
Pros and Cons
- Generous cash back rewards on gas, dining, travel, and Costco purchases
- No annual fee for Costco members
- Worldwide acceptance of Visa
- Additional benefits like damage and theft purchase protection
- Requires Costco membership to apply
- Cashback rewards come in the form of an annual reward certificate, redeemable only at Costco
- Limited cashback categories compared to some other credit cards
- High APR for those with less-than-excellent credit scores
Chase Freedom Unlimited
For the Health Nut
Reward Rate:
1.5%
Reward Details:
1.5% Cashback
Card Summary
Signup bonus:
NA
Our verdict
This is a strong option if you like to shop at multiple wholesale clubs.
Annual Fee: No Annual Fee
Regular APR: Variable APR of 20.24%–28.99%
Recommended
Credit Score: Good to excellent
Pros and Cons
- Flat 1.5% cashback on all purchases, with no spending categories or caps
- Introductory 0% APR period for purchases and balance transfers
- No annual fee
- Access to Chase Ultimate Rewards program and redemption options
- Lower cashback rate compared to some other credit cards with higher category bonuses
- Foreign transaction fees may apply for international purchases
- Limited additional benefits compared to premium cards
- Qualification requirements may be stricter for those with limited credit history
BJ’s Perks Mastercard
For the Always Everyday Spender
Reward Rate:
1%-5%
Reward Details:
5% in club purchases2% cash back on dining out 1% for all other purchases
Card Summary
Signup bonus:
NA
Our verdict
The generous cashback rewards make this a good choice for BJ’s Wholesale Club members.
Annual Fee: No Annual Fee
Regular APR: Variable APR of 19.74% – 29.74%
Recommended
Credit Score: Good to excellent
Pros and Cons
- Generous cashback rewards on BJ’s purchases.
- Additional cashback on dining out and gas purchases.
- No annual fee.
- Worldwide acceptance of Mastercard.
- Limited redemption options for cashback rewards.
- Rewards are in the form of certificates, redeemable only at BJ’s.
- Cashback rates may be lower for non-BJ’s purchases.
- Limited additional benefits compared to some other credit cards.
Sam’s Club Mastercard
For the Everyday Spender
Reward Rate:
1% – 5%
Reward Details:
5% on gas3% on dining & travel1% for all other purchases
Card Summary
Signup bonus:
NA
Our verdict
This is a strong card choice if you shop at Sam’s Club and drive a lot.
Annual Fee: No Annual Fee
Regular APR: Variable APR of 20.40%-28.40%
Recommended
Credit Score: Good to excellent
Pros and Cons
- Competitive cashback rates on gas, dining, and travel.
- No annual fee for Sam’s Club members.
- Access to Mastercard benefits like extended warranty protection.
- Additional perks like special financing options.
- Cashback rewards are limited to specific spending categories.
- Cashback rewards are issued annually as a statement credit.
Bank of America Customized Cash Rewards
For the Pantry Stocker
Reward Rate:
1%-3%
Reward Details:
3% cashback in a category of your choice (e.g., gas, online shopping, dining, travel, or drugstores)2% cash back at grocery stores and wholesale clubs1% cash back on all other purchases
Card Summary
Signup bonus:
NA
Our verdict
The 0% APR introductory period makes this card a fantastic option for bulk shoppers who are also focused on paying down debt.
Annual Fee: No Annual Fee
Regular APR: 0% for the first 18 billing cycles and Variable APR of 17.99%- 27.99% afterward
Recommended
Credit Score: Good to excellent
Pros and Cons
- Customizable cashback categories to suit your spending habits.
- Competitive cashback rates on popular spending categories.
- No annual fee.
- Additional benefits like chip technology and digital wallet compatibility.
- Cashback categories must be selected each month.
- Higher cashback rates may be subject to quarterly spending limits.
- May require a higher credit score for approval compared to other cards.
Is a wholesale club credit card right for you?
To determine if a wholesale club credit card is right for you, assess your membership and usage of the associated club. If you’re a frequent shopper or plan to become a member, it may be beneficial. Next, evaluate the card’s rewards structure and spending categories. The card can offer significant savings if the categories align with your spending habits, such as gas, dining, or groceries.
Additionally, examine the redemption options to ensure they match your preferences. Lastly, consider any associated fees, interest rates, and additional benefits. Carefully weigh these factors against your financial goals and lifestyle to decide if the wholesale club credit card provides enough value for your needs.
Methodology
The methodology used to calculate the best cards for wholesale clubs relied on several factors, with the most prominent of those being:
- The required credit score to apply successfully for the card
- The additional benefits offered by the card beyond rewards
- The rewards rate of the card, if applicable
- Overall difficulty in securing a credit card with fair credit
- The history of the card issuer itself
- Any potential costs associated with owning the credit card
The product information provided here is based on research conducted up to a specific date and may have changed. For the latest and most accurate information, we recommend you to visit the respective card’s website before proceeding.
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