Best credit cards for Wholesale Clubs

Top pick: the Bilt Palladium Card at about 4.0% back.

Best overall
4.0%
2x points

Base rate on everything

Best with no annual fee
2.3%
1.25x points

Base rate on everything

Best of your cards Add your cards to see yoursTakes 30 seconds. No account, no bank login.
Why doesn't Walmart count as groceries?

Card networks label every store with a category code. Walmart, Target, Costco and Sam's Club are coded as superstores or warehouse clubs, not supermarkets, so most "grocery" bonuses skip them. That's why we rank Walmart & Target and wholesale clubs separately. Not sure about a store? Check what counts.

What does a “cap” mean?

Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.

What's a point worth?

Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.

All cards ranked for wholesale clubs

Value points as
  1. 1
    Bilt Palladium Card
    $495/yr · Base rate on everything
    4.0%
    2x points
  2. 2
    Capital One Venture Rewards Credit Card
    $95/yr · Base rate on everything
    3.7%
    2x points
  3. 3
    Capital One Venture X Rewards Credit Card
    $395/yr · Base rate on everything
    3.7%
    2x points
  4. 4
    Robinhood Gold Card
    $50/yr · Base rate on everything
    3.0%
    3% back
  5. 5
    Citi Strata Elite℠ Card
    $595/yr · Base rate on everything
    2.8%
    1.5x points
  6. 6
    Capital One VentureOne Rewards Credit Card
    No annual fee · Base rate on everything
    2.3%
    1.25x points
  7. 7
    SoFi Unlimited 2% Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  8. 8
    Apple Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  9. 9
    Citi Double Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  10. 10
    Wells Fargo Active Cash® Card
    No annual fee · Base rate on everything
    2.0%
    2% back
Show all 87 cards
  1. 11
    Bank of America® Customized Cash Rewards Credit Card
    No annual fee · 2% at grocery stores and wholesale clubs; $2,500 combined quarterly cap with your 3% category
    2.0%
    2% back
  2. 12
    Bread Cashback® American Express® Credit Card
    No annual fee · Base rate on everything
    2.0%
    2% back
  3. 13
    American Express® Gold Card
    $325/yr · Base rate on everything
    2.0%
    1x points
  4. 14
    Chase Sapphire Reserve®
    $795/yr · Base rate on everything
    2.0%
    1x points
  5. 15
    American Express® Green Card
    $150/yr · Base rate on everything
    2.0%
    1x points
  6. 16
    Chase Sapphire Preferred® Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  7. 17
    Bilt Blue Card
    No annual fee · Base rate on everything
    2.0%
    1x points
  8. 18
    Bilt Obsidian Card
    $95/yr · Base rate on everything
    2.0%
    1x points
  9. 19
    The Platinum Card® from American Express
    $895/yr · Base rate on everything
    2.0%
    1x points
  10. 20
    Citi Strata Premier℠ Card
    $95/yr · Base rate on everything
    1.9%
    1x points
  11. 21
    World of Hyatt Credit Card
    $95/yr · Base rate on everything
    1.7%
    1x points
  12. 22
    Citi® / AAdvantage® Globe™ Mastercard®
    $350/yr · Base rate on everything
    1.6%
    1x points
  13. 23
    Citi® / AAdvantage® Executive World Elite Mastercard®
    $595/yr · Base rate on everything
    1.6%
    1x points
  14. 24
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
    $99/yr · Base rate on everything
    1.6%
    1x points
  15. 25
    Capital One Quicksilver Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  16. 26
    Bank of America® Premium Rewards® Elite Credit Card
    $550/yr · Base rate on everything
    1.5%
    1.5x points
  17. 27
    Hilton Honors American Express Surpass® Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  18. 28
    Hilton Honors American Express Card
    No annual fee · Base rate on everything
    1.5%
    3x points
  19. 29
    Bank of America® Travel Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  20. 30
    Bank of America® Premium Rewards® Credit Card
    $95/yr · Base rate on everything
    1.5%
    1.5x points
  21. 31
    Discover it® Miles
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  22. 32
    Hilton Honors American Express Aspire Card
    $550/yr · Base rate on everything
    1.5%
    3x points
  23. 33
    QuicksilverOne Rewards
    $39/yr · Base rate on everything
    1.5%
    1.5% back
  24. 34
    Chase Freedom Rise® Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  25. 35
    IHG One Rewards Premier Select Credit Card
    $350/yr · Base rate on everything
    1.5%
    3x points
  26. 36
    Chase Freedom Unlimited®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  27. 37
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  28. 38
    OnePay CashRewards Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  29. 39
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  30. 40
    IHG One Rewards Premier Credit Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  31. 41
    Atmos™ Rewards Ascent Visa Signature®
    $95/yr · Base rate on everything
    1.4%
    1x points
  32. 42
    Marriott Bonvoy Bountiful™ Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  33. 43
    Marriott Bonvoy Bevy™ American Express® Card
    $250/yr · Base rate on everything
    1.4%
    2x points
  34. 44
    Marriott Bonvoy Brilliant® American Express® Card
    $650/yr · Base rate on everything
    1.4%
    2x points
  35. 45
    Marriott Bonvoy Boundless® Credit Card
    $95/yr · Base rate on everything
    1.4%
    2x points
  36. 46
    United℠ Explorer Card
    $150/yr · Base rate on everything
    1.4%
    1x points
  37. 47
    United Club℠ Card
    $695/yr · Base rate on everything
    1.4%
    1x points
  38. 48
    United Quest℠ Card
    $350/yr · Base rate on everything
    1.4%
    1x points
  39. 49
    United Gateway Card
    No annual fee · Base rate on everything
    1.4%
    1x points
  40. 50
    JetBlue Plus Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  41. 51
    Southwest Rapid Rewards® Plus Credit Card
    $97/yr · Base rate on everything
    1.3%
    1x points
  42. 52
    Southwest Rapid Rewards® Premier Credit Card
    $99/yr · Base rate on everything
    1.3%
    1x points
  43. 53
    Southwest Rapid Rewards® Priority Card
    $229/yr · Base rate on everything
    1.3%
    1x points
  44. 54
    Wyndham Rewards Earner® Plus Card
    $75/yr · Base rate on everything
    1.1%
    1x points
  45. 55
    Delta SkyMiles® Blue American Express Card
    No annual fee · Base rate on everything
    1.1%
    1x points
  46. 56
    Delta SkyMiles® Gold American Express Card
    $150/yr · Base rate on everything
    1.1%
    1x points
  47. 57
    Delta SkyMiles® Reserve American Express Card
    $650/yr · Base rate on everything
    1.1%
    1x points
  48. 58
    Delta SkyMiles® Platinum American Express Card
    $350/yr · Base rate on everything
    1.1%
    1x points
  49. 59
    Chase Freedom Flex®
    No annual fee · Base rate on everything
    1.0%
    1x points
  50. 60
    Capital One SavorOne Cash Rewards Credit Card
    $39/yr · Base rate on everything
    1.0%
    1% back
  51. 61
    Blue Cash Everyday® Card from American Express
    No annual fee · Base rate on everything
    1.0%
    1% back
  52. 62
    U.S. Bank Altitude® Go Visa Signature® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  53. 63
    Discover it® Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  54. 64
    AT&T Points Plus® Card from Citi
    No annual fee · Base rate on everything
    1.0%
    1x points
  55. 65
    Amazon Prime Visa
    No annual fee · Base rate on everything
    1.0%
    1% back
  56. 66
    Costco Anywhere Visa® Card by Citi
    No annual fee · Base rate on everything
    1.0%
    1% back
  57. 67
    Navy Federal More Rewards American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  58. 68
    Cashback Rewards Plus American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  59. 69
    American Express® Blue Cash Preferred® Card
    $95/yr · Base rate on everything
    1.0%
    1% back
  60. 70
    Wells Fargo Autograph℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  61. 71
    Barclays View™ Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  62. 72
    Citi Strata℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  63. 73
    Navy Federal Flagship Premier Visa Signature
    $95/yr · Base rate on everything
    1.0%
    1x points
  64. 74
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  65. 75
    Capital One Savor Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  66. 76
    Wells Fargo Autograph Journey℠ Card
    $95/yr · Base rate on everything
    1.0%
    1x points
  67. 77
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  68. 78
    Robinhood Platinum Card
    $695/yr · Base rate on everything
    1.0%
    1% back
  69. 79
    Discover it® Secured Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  70. 80
    Discover it® Student Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  71. 81
    Discover it® Student Chrome
    No annual fee · Base rate on everything
    1.0%
    1% back
  72. 82
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  73. 83
    IHG One Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    2x points
  74. 84
    PenFed Platinum Rewards Visa Signature® Card
    No annual fee · Base rate on everything
    0.9%
    1x points
  75. 85
    Marriott Bonvoy Bold® Credit Card
    No annual fee · Base rate on everything
    0.7%
    1x points
  76. 86
    Wells Fargo Reflect® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards
  77. 87
    Citi Simplicity® Card
    No annual fee · No rewards — this card is built for its 0% intro APR
    0.0%
    No rewards

Popular wholesale clubs merchants

Common questions

What's the best credit card for wholesale clubs?

Right now the Bilt Palladium Card earns the most on wholesale clubs: about 4.0% back. With no annual fee, the Capital One VentureOne Rewards Credit Card earns about 2.3%.

What counts as wholesale clubs?

Warehouse clubs — Costco, Sam's Club, BJ's.

What doesn't count as wholesale clubs?

Not groceries for most cards. Costco warehouses accept only Visa credit cards (Mastercard also works on costco.com).

Rates are effective value per dollar (points × what a point is worth to you — see how we rank). PayWithThis is independent and not affiliated with any issuer. Verify current terms with the issuer before applying.