Best Credit Card for BJ's Wholesale Club in 2026
We ranked every major cash back credit card by what you actually earn at BJ's Wholesale Club. The top pick earns 6% — here's the full breakdown.
8 cards earning 2%+ at BJ's Wholesale Club · sorted by highest cash back · updated Q1 2026
Why #1: Top pick: earns 6% cash back at BJ's Wholesale Club — the highest rate available. Annual fee of $95/yr is easily offset by heavy use.
Why #2: Top pick: earns 5% cash back at BJ's Wholesale Club — the highest rate available. No annual fee required.
Why #3: This rotating category is active right now — swipe this card at BJ's Wholesale Club to earn 5% cash back this quarter (activation required at issuer site).
Why #4: Strong choice at 4.5% — among the best non-co-branded cards for BJ's Wholesale Club. $95/yr annual fee.
Why #5: Strong choice at 4% — among the best non-co-branded cards for BJ's Wholesale Club. $325/yr annual fee.
Why #6: Solid 3% cash back at BJ's Wholesale Club with no activation needed. No annual fee — easy to hold long-term.
Why #7: Solid 3% cash back at BJ's Wholesale Club with no activation needed. No annual fee — easy to hold long-term.
Why #8: Solid 3% cash back at BJ's Wholesale Club with no activation needed. No annual fee — easy to hold long-term.
Frequently Asked Questions
What is the best credit card to use at BJ's Wholesale Club?
The best card at BJ's Wholesale Club right now is the Blue Cash Preferred® Card from Amex, earning 6% cash back. 6% at U.S. supermarkets (up to $6,000/yr, then 1%)
Does any credit card offer more than 2% at BJ's Wholesale Club?
Yes — the Blue Cash Preferred® Card from Amex at 6%, the Citi Custom Cash® Card at 5%, the Discover it® Cash Back at 5% all earn above 2% at BJ's Wholesale Club.
What are rotating category credit cards?
Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When BJ's Wholesale Club's category is active, these cards can be the top earners.
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Search All Stores →Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.