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.
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.
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.