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CardCurator — Rewards Intelligence
Warehouse Clubs

Best Credit Card for Warehouse Clubs

Compare the top credit cards for Costco, Sam's Club, and BJ's Wholesale and find which one earns the most rewards.

Costco, Sam's Club, and BJ's Wholesale often have card-specific rules — some cards earn a grocery rate here, others earn a general retail rate. Dedicated warehouse club cards can offer 2–5% cash back on all purchases.

Top Pick

Best Pick
Target Circle Credit Card card art
Target Circle

Target Circle Credit Card

5x
points per dollar
5.0%
effective return
No annual fee
annual fee

5x base rate (no bonus for Warehouse Clubs)

More Info

More Good Options

  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Warehouse Clubs)

    Learn more →
  • Blue Business Plus Credit Card from American Express card art
    American Express Membership Rewards
    Blue Business Plus Credit Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Warehouse Clubs)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Warehouse Clubs)

    Learn more →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Warehouse Clubs)

    Learn more →
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Common Questions

What is the best credit card for Warehouse Clubs?

The Target Circle Credit Card is currently the top pick for Costco, Sam's Club, and BJ's Wholesale, earning 5x points per dollar — an effective 5.0% return.

How many points do you earn on Warehouse Clubs purchases?

The top-rated card for Costco, Sam's Club, and BJ's Wholesale, the Target Circle Credit Card, earns 5x per dollar — an effective return of 5.0%.

Is there a no-annual-fee card that earns rewards on Warehouse Clubs?

Yes — the Target Circle Credit Card earns 5x on Costco, Sam's Club, and BJ's Wholesale with no annual fee (5.0% effective return).

Is a premium card worth the annual fee for Warehouse Clubs spending?

The Bilt Palladium Card ($495/yr) earns 2x on Costco, Sam's Club, and BJ's Wholesale. If you spend $1,031/month or more on warehouse clubs, the rewards offset the annual fee — before counting travel credits and other perks.

Which card earns the most if I spend $500 per month on Warehouse Clubs?

Target Circle Credit Card: $300/yr, Bilt Palladium Card: $240/yr, Blue Business Plus Credit Card from American Express: $240/yr. The Target Circle Credit Card earns the most at $500/month.

Do rotating category cards earn on Warehouse Clubs?

Some cards — like Chase Freedom Flex and Discover it — occasionally feature warehouse clubs as a 5% bonus category for one quarter per year. Year-round, a dedicated warehouse clubs card typically outperforms rotating category cards since you can't always count on the bonus.

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