Best Credit Card for Warehouse Clubs
The best credit card for Warehouse Clubs is BJ's One+ Mastercard because it earns 5x on Costco, Sam's Club, and BJ's Wholesale, the strongest effective return in the current ranking.
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
BJ's One+ Mastercard
5x on most purchases at BJ's
Before you click out
- This is the best fit only if you actually spend heavily on warehouse clubs.
- You are optimizing for rewards without taking on an annual fee.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate on Warehouse Clubs; the best available return here despite no category-specific bonus
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American Express Membership RewardsBlue Business Plus Credit Card from American Express2xpts/dollar4.0%return2x base rate on Warehouse Clubs; the best available return here despite no category-specific bonus
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Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate on Warehouse Clubs; the best available return here despite no category-specific bonus
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For Costco, Sam's Club, and BJ's Wholesale, BJ's One+ Mastercard is currently our top overall pick at 5x, which works out to about 5.0% back using CardCurator's current point valuations. 5x on most purchases at BJ's. At $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Summary generated October 8, 2026. Source: https://cardcurator.ai/best-credit-card-for/warehouse-clubs
- BJ's One+ Mastercard: 5x and 5.0% effective return.
- At $500/month, that's about $300/year in rewards value before bonuses.
- BJ's One+ Mastercard is the current no-fee fallback at 5x (5.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card for Warehouse Clubs?
The BJ's One+ Mastercard 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 BJ's One+ Mastercard, 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 BJ's One+ Mastercard 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?
BJ's One+ Mastercard: $300/yr, Costco Anywhere Visa: $300/yr, Bilt Palladium Card: $240/yr. The BJ's One+ Mastercard 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.