50 Best Credit Cards For BJs Wholesale | Point Calculator

Best Credit Cards For

BJ's Wholesale Purchases

A list of the 50 best credit cards for BJ's Wholesale purchases based on your spend, pulled from a database of 250+ cards. Compare results side-by-side.

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BJ's is one of the few wholesale club chains in the United States with Walmart's Sam's Club and Costco's. They offer everything from groceries to electronics to travel so earning a great return on your spend can be very beneficial if you commonly shop at BJ's.

On the front line of a great returns is the BJ's Perks Elite Mastercard. This card is available if you have BJ's Perks Rewards Membership which is $110 per year. The BJ's Perks Elite Mastercard earns 5% back on BJ's purchases which is a higher return than the 3% back you'll earn with the BJ's Perks Plus Mastercard offered to BJ's Inner Circle members. If you're trying to decide between the $110 Perks Rewards Membership and the $55 Inner Circle Membership, the deciding spend is $230 per month which is $2,750 per year. If you spend more than that, BJ's Perks Rewards Membership is the way to go.

If you don't want to dabble in BJ's credit cards, you can earn up to 3.5% cash back with the Bank of America Cash Rewards Card. The more you have invested with Bank of America and their partners, the more you will earn. Having a checking or savings account with Bank of America will earn you a 10% boost for 2.2% cash back while investing $25k to $100k can earn you between 2.5% and 3.5% cash back.

You can also earn a solid return on credit cards that offer transferable points assuming you can squeeze 1.5 cents or more out of them. This includes the AMEX Blue Business Plus, the Citi Double Cash Card if you own the Citi Prestige or Citi Premier, and the Chase Freedom Unlimited or Chase Ink Business Unlimited if you own an Ultimate Rewards Points earning card.

Lastly, if you're just looking for some good ole simple cash back, you can go with a 2% cash back credit card like the Citi Double Cash or PayPal CashBack Mastercard.

Category Calculator

Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.

You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.

Compare credit cards side by side based on spend, benefits, and fees.

You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Re-Calculate to refresh the results.

Adjust Transferable Points

Credit cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards programs will normally be towards the top of the list due to the value of transferring rewards to partners. Selecting this box will give these currencies their non-point transfer value. You will need to Re-Calculate after changing this option.

Bank (Holder)

The bank issuing the card.


The network the card is tied to.

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, etc.

Rewards Type

The type of rewards the card earns.


Toggle switch for displaying personal and business cards. Card combos are also featured on this site (i.e. AMEX Trifecta, Chase Trifecta).

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar when you use the card outside of it's region.


The region that the card is offered in. Credit cards from other regions are featured on this site, but for now this is set to USA only.


Do note that results may take a few seconds to generate after doing a search.

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Page Last Updated: 2020-02-27
Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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