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CardCurator — Rewards Intelligence
BJ's Wholesale

Best Credit Card for BJ's Wholesale Club

Compare the top credit cards to maximize your rewards every time you shop at BJ's Wholesale Club.

Warehouse clubs sometimes have card-specific exclusions — verify whether purchases count as "grocery" or a separate retail category on your card.

Top Pick

Best Pick
Bilt Obsidian Card card art
Bilt Rewards

Bilt Obsidian Card

3x
points per dollar
6.0%
effective return
$95/yr
annual fee
$200
signup bonus

3x on Groceries

Apply Now More Info

More Good Options

  • BJ's One+ Mastercard card art
    BJ's Rewards
    BJ's One+ Mastercard
    5x
    pts/dollar
    5.0%
    return

    5x on most purchases at BJ's

    Learn more →
  • Aeroplan Card card art
    Air Canada Aeroplan
    Aeroplan Card
    3x
    pts/dollar
    4.7%
    return

    3x on purchases made directly with Air Canada, dining at restaurants, including takeout and eligible delivery services, grocery stores

    Learn more →
  • HSBC Premier credit card card art
    HSBC Rewards
    HSBC Premier credit card
    3x
    pts/dollar
    3.8%
    return

    3x on Groceries

    Learn more →
  • Hilton Honors Surpass card art
    Hilton Honors
    Hilton Honors Surpass
    6x
    pts/dollar
    3.6%
    return

    6x on Groceries At U.S. supermarkets

    Learn more →
Compare these 3 cards side by side

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Common Questions

What is the best credit card to use at BJ's Wholesale Club?

The Bilt Obsidian Card is currently the top pick at BJ's Wholesale Club, earning 3x points per dollar — an effective 6.0% return. 3x on Groceries

How many points do I earn at BJ's Wholesale Club per dollar spent?

Top cards earn between 3x and 6x at BJ's Wholesale Club. Leading options include: Bilt Obsidian Card (3x), BJ's One+ Mastercard (5x), Aeroplan Card (3x).

Does BJ's Wholesale Club count as bj's wholesale for credit card rewards?

BJ's Wholesale Club typically falls under the BJ's Wholesale category for credit card reward purposes. Cards with a bj's wholesale spending bonus will earn an elevated rate here. Warehouse clubs sometimes have card-specific exclusions — verify whether purchases count as "grocery" or a separate retail category on your card.

Is there a no-annual-fee card that earns well at BJ's Wholesale Club?

Yes — the BJ's One+ Mastercard has no annual fee and earns 5x at BJ's Wholesale Club (5.0% effective return). 5x on most purchases at BJ's