Chip Lupo, Credit Card Writer
@CLoop
The best wholesale club credit card is the BJ’s One+™ Credit Card because it offers 5% back in rewards on most purchases at BJ’s, and 2% back in rewards on all other purchases. You’ll also get an extra $40 in rewards when you apply and are approved for the card, and you won’t have to pay an annual fee. As a result, the BJ’s One+™ Credit Card figures to save the average cardholder more than the cards affiliated with other wholesale clubs, according to our calculations.
If you want a general-purpose credit card, rather than one affiliated with a particular wholesale club, the options are a bit different. One of the best credit cards for great rewards at most wholesale clubs, plus on other purchases, is the Wells Fargo Active Cash® Card. It offers 2% cash rewards on purchases, and it’s a Visa so you can use it at Costco.
Best Credit Cards for Wholesale Clubs
- Best Wholesale Club Card: BJ’s One+™ Credit CardLearn MoreLearn More
- Best Wholesale Club Card: BJ’s One+™ Credit CardLearn MoreLearn Moreon issuer's website
- Best Wholesale Club Card: BJ’s One+™ Credit CardLearn MoreLearn More
- Best for Gas Rewards: Sam's Club® Credit CardLearn MoreLearn More
- Best for Gas Rewards: Sam's Club® Credit CardLearn MoreLearn Moreon issuer's website
- Best for Gas Rewards: Sam's Club® Credit CardLearn MoreLearn More
- Rates & Fees Best for Dining and Travel: Costco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
- Rates & Fees Best for Dining and Travel: Costco Anywhere Visa® Card by CitiLearn MoreLearn Moreon issuer's website
- Best for Dining and Travel: Costco Anywhere Visa® Card by CitiLearn MoreLearn More
- Rates & Fees Best for Cash Rewards: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best for Cash Rewards: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Best for Cash Rewards: Wells Fargo Active Cash® CardLearn MoreLearn More
- Best for Customized Rewards: U.S. Bank Shopper Cash Rewards™ Visa Signature® CardLearn MoreLearn More
- Best for Customized Rewards: U.S. Bank Shopper Cash Rewards™ Visa Signature® CardLearn MoreLearn Moreon issuer's website
- Best for Customized Rewards: U.S. Bank Shopper Cash Rewards™ Visa Signature® CardLearn MoreLearn More
- Best Wholesale Club Card:
- Best for Gas Rewards:
- Best for Dining and Travel:
- Best for Cash Rewards:
- Best for Customized Rewards:
When it comes to wholesale clubs like BJ’s, Costco, and Sam’s Club, choosing the best credit card depends on where you’re a member (or where you’d shop the most if you joined) and whether you want store loyalty benefits or flexible rewards. One thing to keep in mind is that while warehouse club credit cards don’t charge annual fees, you will still have to pay an annual membership fee to shop at the stores. Make sure you will make enough purchases every year for the cost of the membership fee to be worth it.
To view more options, check out WalletHub’s editors’ picks for the best store credit cards and the best credit cards for shopping.
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People also ask
Are there any credit cards with lounge access and no annual fee?
Yes, there is one credit card with lounge access and no annual fee. The U.S. Bank Altitude Connect offers a complimentary Priority Pass™ Select membership for a year, which gives you 4 free visits to over 1,700 airport lounges worldwide and comes with $0 annual fee. Besides that, the card also provides protection and assistance when traveling with trip cancelation/interruption, trip delay reimbursement and SmartDelay. The U.S. Bank Altitude Connect offers some great rewards as well.
U.S. Bank Altitude Connect Rewards
- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening.
- 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
- 4X on travel
- 4X at gas stations and EV charging stations on your first $1,000 each quarter (excludes discount stores/supercenters and wholesale clubs).
- 2X on dining, streaming services and at grocery stores (excludes discount stores/supercenters and wholesale clubs).
- 1X point on all other eligible purchases.
- Points will not expire as long as you keep your account active.
- Up to $100 in statement credits for TSA PreCheck® or Global Entry® toward your application fee once every four years.
- Complimentary Priority Pass™ Select membership gives you 4 free visits to over 1,700 airport VIP lounges and experiences worldwide.
- Terms and conditions apply.
What is the 2/3/4 rule for credit cards?
The 2-3-4 rule for credit cards is a guideline Bank of America uses to limit how often you can open a new credit card account. According to this rule, applicants are limited to two new cards within 30 days, three new cards within 12 months, and four new cards within 24 months.
This rule applies only to Bank of America credit cards, so even if you’ve opened four accounts with other credit card companies...
read full answer by Milvionne Chery Copeland, WriterWhat is the Bank of America Cash Rewards grocery stores list?
The Bank of America Customized Cash Rewards credit card grocery stores list includes traditional supermarkets, wholesale clubs, bakeries, meat lockers, dairy product stores, and candy stores, among others. These merchants give 2% cash back (up to a $2,500 quarterly cap) on all purchases made with a Bank of America Customized Cash Rewards credit card.
To figure out which stores count for the bonus cash back rate, check the Visa merchant category codes (MCCs) list online.
MCCs That Qualify for the Card’s Grocery Stores Bonus:
- Grocery Stores/Supermarkets: 5411...
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