Best Cards for Wholesale Clubs
Get more back at Costco, Sam's Club, and BJ's.
Costco only accepts Visa in-store, which narrows the field considerably. Whether you shop at Costco, Sam's Club, or BJ's, the best card usually depends on whether you already hold a Costco membership and how much of your spend is gas versus general merchandise.
Top Picks
Costco Anywhere Visa
Citi
$0 (Costco membership required)
2% on Costco and Costco.com purchases, plus 4% on gas/EV charging (5% at Costco fuel) up to $7,000/year combined, and 3% on dining and travel.
BofA Customized Cash Rewards
Bank of America
$0
2% automatically at wholesale clubs (Sam's Club, BJ's, Costco) with no enrollment needed — part of the card's automatic-category set, not the choice category.
Citi Double Cash
Citi
$0
Flat 2% on everything, including warehouse club purchases — works everywhere, not just Visa-accepting stores.
Tips
Costco only accepts Visa cards in-store and online — Amex, Mastercard, and Discover cash-back cards won't earn their normal rate there even if they'd otherwise be a good fit.
The Costco Anywhere Visa's own rewards (2% at Costco) are lower than some flat-rate cards, but its gas rate and lack of Costco membership fee markup make it worth holding if you shop there often.
Sam's Club and BJ's accept all major networks, so a flat 2% card like Double Cash works there without the Visa restriction.
Membership fees ($65-$120/year) are separate from any card annual fee — factor them in separately when deciding whether warehouse shopping is worth it for you.
Find Your Complete Optimal Setup
These are great cards for wholesale clubs, but the best combination depends on your total spending across all categories. The optimizer evaluates every possible combination to find the mathematically proven best setup.
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Not financial advice. OptimalCardSetup provides mathematical optimization tools for educational and informational purposes only. This does not constitute financial, investment, or credit advice. Card rates, fees, and benefits shown are accurate as of June 12, 2026. Terms may change — always verify current details with the card issuer before applying.