Best credit card for BJ's Wholesale Club

The Bilt Palladium Card earns the most at BJ's Wholesale Club: 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

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Every card ranked at BJ's Wholesale Club

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 · counts as Wholesale Clubs · 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® Green Card
    $150/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® Gold Card
    $325/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
    The Platinum Card® from American Express
    $895/yr · Base rate on everything
    2.0%
    1x points
  8. 18
    Bilt Blue Card
    No annual fee · Base rate on everything
    2.0%
    1x points
  9. 19
    Bilt Obsidian Card
    $95/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® Executive World Elite Mastercard®
    $595/yr · Base rate on everything
    1.6%
    1x points
  13. 23
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
    $99/yr · Base rate on everything
    1.6%
    1x points
  14. 24
    Citi® / AAdvantage® Globe™ Mastercard®
    $350/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
    Hilton Honors American Express Surpass® Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  17. 27
    Hilton Honors American Express Card
    No annual fee · Base rate on everything
    1.5%
    3x points
  18. 28
    Bank of America® Travel Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  19. 29
    Bank of America® Premium Rewards® Elite Credit Card
    $550/yr · 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
    Chase Freedom Unlimited®
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  24. 34
    IHG One Rewards Premier Select Credit Card
    $350/yr · Base rate on everything
    1.5%
    3x points
  25. 35
    QuicksilverOne Rewards
    $39/yr · Base rate on everything
    1.5%
    1.5% back
  26. 36
    Chase Freedom Rise® Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5x points
  27. 37
    IHG One Rewards Premier Credit Card
    $150/yr · Base rate on everything
    1.5%
    3x points
  28. 38
    Bank of America® Unlimited Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  29. 39
    OnePay CashRewards Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  30. 40
    Capital One Quicksilver Secured Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.5%
    1.5% back
  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
    Blue Cash Everyday® Card from American Express
    No annual fee · Base rate on everything
    1.0%
    1% back
  51. 61
    Capital One SavorOne Cash Rewards Credit Card
    $39/yr · 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
    IHG One Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    2x points
  59. 69
    Cashback Rewards Plus American Express® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  60. 70
    American Express® Blue Cash Preferred® Card
    $95/yr · Base rate on everything
    1.0%
    1% back
  61. 71
    Wells Fargo Autograph℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  62. 72
    Barclays View™ Mastercard®
    No annual fee · Base rate on everything
    1.0%
    1% back
  63. 73
    Citi Strata℠ Card
    No annual fee · Base rate on everything
    1.0%
    1x points
  64. 74
    Capital One Savor Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  65. 75
    Navy Federal Flagship Premier Visa Signature
    $95/yr · Base rate on everything
    1.0%
    1x points
  66. 76
    Wells Fargo Autograph Journey℠ Card
    $95/yr · Base rate on everything
    1.0%
    1x points
  67. 77
    U.S. Bank Cash+® Visa Signature® Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  68. 78
    Discover it® Chrome Gas & Restaurants Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  69. 79
    Robinhood Platinum Card
    $695/yr · Base rate on everything
    1.0%
    1% back
  70. 80
    Discover it® Secured Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  71. 81
    Discover it® Student Cash Back
    No annual fee · Base rate on everything
    1.0%
    1% back
  72. 82
    Discover it® Student Chrome
    No annual fee · Base rate on everything
    1.0%
    1% back
  73. 83
    Capital One Savor Student Cash Rewards Credit Card
    No annual fee · Base rate on everything
    1.0%
    1% back
  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

Rates are effective value per dollar (points × what a point is worth to you). Rankings reflect PayWithThis’s own methodology; we’re independent and not paid by issuers. Verify current terms with the issuer.

Common questions

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

The Bilt Palladium Card earns the most at BJ's Wholesale Club: about 4.0% back. The best card with no annual fee is the Capital One VentureOne Rewards Credit Card at 2.3%.

What do purchases at BJ's Wholesale Club count as for credit card rewards?

BJ's is a warehouse club — not groceries for most cards. It accepts all major card networks.

Which of my cards should I use at BJ's Wholesale Club?

Add the cards you carry on PayWithThis — it takes about 30 seconds, with no account or bank login — and every page, including this one, will show which of your own cards earns the most at BJ's Wholesale Club.

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