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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
BJ's One+ Mastercard card art
BJ's Rewards

BJ's One+ Mastercard

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

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.
Apply Now Check out this card

More Good Options

  • Costco Anywhere Visa card art
    Costco
    Costco Anywhere Visa
    5x
    pts/dollar
    5.0%
    return

    5x on Gas at Costco

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

    2x base rate (no bonus for Warehouse Clubs)

    Apply Now
  • 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)

    Apply Now
  • 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)

    Apply Now
Best next move
BJ's One+ Mastercard
Best for warehouse clubs spending if you want the strongest return without reopening the research loop.
Apply Now Check out this card
Compare these 3 cards side by side

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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 June 23, 2026. Source: https://cardcurator.ai/best-credit-card-for/warehouse-clubs

View source data
Top card
BJ's One+ Mastercard
5x · 5.0%
No-fee fallback
BJ's One+ Mastercard
5x · 5.0%
  • 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.
Methodology Sources

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.

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