Best credit card to use at BJ's Wholesale Club.

1. #1
   
   AAA Daily Advantage Visa Signature

   Comenity Capital Bank

   3% on wholesale clubs (up to $16,666/year, then 1%)

   Combined $500/year cash back cap with groceries and gas/EV-charging stations; 1% thereafter
   3%
2. #2
   
   Robinhood Gold

   Robinhood

   3% flat-rate cashback
   3%
3. #3
   
   Bank of America Cash Rewards Secured

   Bank of America

   2% on wholesale clubs (up to $2,500/quarter, then 1%)

   Wholesale clubs; cap is combined with choice category and grocery stores
   2%
4. #4
   
   Bank of America Customized Cash Rewards

   Bank of America

   2% on wholesale clubs (up to $2,500/quarter, then 1%)

   Wholesale clubs; cap is combined with choice category and grocery stores
   2%
5. #5
   
   Blue Business Cash from American Express

   American Express

   2% flat-rate cashback
   2%
6. #6
   
   Capital One Spark Cash Plus

   Capital One

   2% flat-rate cashback
   2%
7. #7
   
   Citi Double Cash

   Citi

   2% flat-rate cashback

   1% when you buy, 1% when you pay
   2%
8. #8
   
   Coinbase One

   First Electronic Bank

   2% flat-rate cashback

   Tiers of 2%, 2.5%, 3%, or 4% based on assets held on Coinbase; tiers above 2% are capped at $10,000 in eligible purchases per month, then 2%. Requires Coinbase One membership.
   2%
9. #9
   
   Fidelity Rewards Visa Signature

   Elan Financial Services

   2% flat-rate cashback

   When deposited into an eligible Fidelity account
   2%
10. #10
    
    Graphite Business Cash Unlimited

    American Express

    2% flat-rate cashback

    Unlimited 2% cash back on eligible purchases
    2%
11. #11
    
    Ink Business Premier

    Chase

    2% flat-rate cashback

    2.5% on purchases of $5,000 or more per transaction
    2%
12. #12
    
    Intuit Business

    WebBank

    2% flat-rate cashback
    2%
13. #13
    
    Navy Federal cashRewards Plus

    Navy Federal

    2% flat-rate cashback

    Issued on the cashRewards application when approved for a credit limit of $5,000 or more; lower limits receive cashRewards at 1.5%
    2%
14. #14
    
    PenFed Power Cash Rewards Visa Signature

    PenFed Credit Union

    2% flat-rate cashback

    2% with PenFed Honors Advantage (current or former military, or a PenFed Access America checking account); 1.5% otherwise
    2%
15. #15
    
    PNC Cash Unlimited

    PNC

    2% flat-rate cashback
    2%
16. #16
    
    Smartly Visa Signature

    U.S. Bank

    2% flat-rate cashback
    2%
17. #17
    
    TD Double Up

    TD Bank

    2% flat-rate cashback

    Earns 2 points per dollar; 1 point is worth 1 cent, with a 2,500 point minimum to redeem as a statement credit or a deposit to a TD checking or savings account
    2%
18. #18
    
    Truist Business Premium

    Truist

    2% flat-rate cashback
    2%
19. #19
    
    Wells Fargo Active Cash

    Wells Fargo

    2% flat-rate cashback
    2%
20. #20
    
    Wells Fargo Signify Business Cash

    Wells Fargo

    2% flat-rate cashback
    2%

Last updated September 14, 2026