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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
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
$40
signup bonus

5x on most purchases at BJ's

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More Good Options

  • Target Circle Credit Card card art
    Target Circle
    Target Circle Credit Card
    5x
    pts/dollar
    5.0%
    return

    5x base rate (no bonus for BJ's Wholesale)

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

    2x base rate (no bonus for BJ's Wholesale)

    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 BJ's Wholesale)

    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 BJ's Wholesale)

    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 BJ's One+ Mastercard is currently the top pick at BJ's Wholesale Club, earning 5x points per dollar — an effective 5.0% return. 5x on most purchases at BJ's

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

Top cards earn between 2x and 5x at BJ's Wholesale Club. Leading options include: BJ's One+ Mastercard (5x), Target Circle Credit Card (5x), Bilt Palladium Card (2x).

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