Best Credit Cards For BJ's Wholesale Purchases

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

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.

Best Cards By Category Calculator

The Best Credit Cards By Category Calculator below will find the best credit cards for the listed categories based on your spend and the filter options selected. This will output a list of up to 50 credit cards sorted by total return.

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

I recommend using the Rewards Calculator which allows you to compare results side by side other cards, factor in sign up bonuses, add authorized users, select elite status (hotel cards), and much more.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.

BJs Wholesale Club

Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year, you can leave it set to a duration of 'year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions).
When transferring to other programs, you should be able to get 1 to 2 cents in value for most of the programs listed below, so I defaulted most to a low average of 1.5 cents. You can click on the to learn more about the value of the currency (opens in a new tab/window).

Include Annual Credits/Bonuses

Several credit cards feature annual bonuses. These are usually anniversary bonuses for having the card, airline credits, hotel credits, and more. If you want these included in the calculation, you can check thy box below.


The bank that issues the card. De-select the banks that you do not want in the results.


The network that the card is tied to such as VISA, Mastercard, Discover, or AMEX.

Card Type

The type of card such as a co-branded airline card, bank rewards card, or cash back card. Do note that some store cards will appear under cash back if you're able to redeem cash back like a normal cash back credit card.

Reward Type

The type of rewards the card earns. This will either be points, miles, or cash back.


Toggle the showing of personal or business cards in the results. Card combinations are also featured on this site. The combo option is only available if it's more than one category you're enter spend for.

Annual Fee

The range of fees you're willing to pay to wield such awesome credit cards. The First Year Free (FYF) / First Year Reduced (FYR) option will only show FYF/FYR cards that has an second year (and onward) annual fee that falls within the range you entered.

Income Requirements

Some credit cards require a certain amount of annual individual or household income. Enter a max income or enter -1 to show all cards.

Foreign Transaction Fees

Toggle whether to include credit cards that have a foreign transaction fee, foreign conversion fee, or any other type of charge that has to do with making purchases outside of the region.


Do note that results may take a few seconds to generate after doing a search.
You can click on the 'Rewards Calculator' for any of the cards listed in the results to calculate even more accurate results. You'll be able to enter spend for other categories, toggle fees, add authorized users, and more.
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