Best credit card for BJ's Wholesale Club
BJ's has two Capital One Mastercards with rates that apply at BJ's itself. Other cards' warehouse-club bonuses usually name a different club, so they are left out of the ranking here.
Only 2 cards in our database pay a bonus that applies at BJ's — Capital One BJ's One+ Mastercard at 5.0¢ per dollar. Everything else earns its base rate, where Capital One Venture Business leads at 2.6¢.
Updated 2026-09-16
Cards with a bonus that applies at BJ's
Ranked by real value — the printed rate multiplied by our conservative value for the currency it pays, so a big multiplier in a weak currency can't win on the number alone. The "what the rate covers" column is the issuer's own printed wording, because that is what decides whether the bonus reaches this merchant at all.
| # | Card | Value | Rate | What the rate covers | Cap | Fee |
|---|---|---|---|---|---|---|
| 1 | Capital One BJ's One+ Mastercard Capital One |
5.0¢/$ | 5% | BJ's only: in-club at BJ's front-end registers, BJs.com and the BJ's app; not other wholesale clubs. Excludes eye… | uncapped | $0 |
| 2 | Capital One BJ's One Mastercard Capital One |
3.0¢/$ | 3% | BJ's only: in-club at BJ's front-end registers, BJs.com and the BJ's app; not other wholesale clubs. Excludes eye… | uncapped | $0 |
The best flat-rate cards for BJ's
General-purpose cards ranked by the real value of the rate they pay on everything — what BJ's earns when no bonus category applies. Store cards and single-retailer cobrands are excluded here: rewards you can only spend at one chain can't answer "what should the rest of my spending go on?"
| # | Card | Base value | Base rate | Fee |
|---|---|---|---|---|
| 1 | Capital One Venture Business Capital One · business |
2.6¢/$ | 2x | $95 |
| 2 | Capital One Venture Rewards Capital One |
2.6¢/$ | 2x | $95 |
| 3 | Capital One Venture X Business Capital One · business |
2.6¢/$ | 2x | $395 |
| 4 | Capital One Venture X Capital One |
2.6¢/$ | 2x | $395 |
| 5 | Citi Double Cash® Card Citi |
2.0¢/$ | 2% | $0 |
| 6 | U.S. Bank Smartly Visa Signature Card U.S. Bank |
2.0¢/$ | 2% | $0 |
| 7 | Fidelity Rewards Visa Signature Elan Financial Services |
2.0¢/$ | 2% | $0 |
| 8 | Wells Fargo Active Cash Wells Fargo |
2.0¢/$ | 2% | $0 |
| 9 | Apple Card Goldman Sachs |
2.0¢/$ | 2% | $0 |
| 10 | Capital One Spark Cash (Spark 2% Cash) Capital One · business |
2.0¢/$ | 2% | $95 |
Two BJ's cards, two different base rates
Both BJ's One Mastercards pay their best rate only at BJ's: at the front-end registers in club, on BJs.com and in the BJ's app. They also differ away from BJ's, where each has its own base rate. Compare both columns in the table above, because the card that wins at the register is not automatically the one that wins on the rest of your spending.
A warehouse-club bonus on another card rarely means BJ's
Plenty of cards advertise wholesale-club rates, but the terms often name one club, or code BJ's differently. That is why only the BJ's-specific rates are ranked here, and why the flat-rate table below is the safe answer for any other card in your wallet.
The honest caveat
Merchant coding is set by the payment networks, not by us: a store can change how it codes, a franchise can code differently from a corporate location, and an issuer can revise its exclusions without announcing it. Everything above comes from the printed terms in our maintained database, valued at our conservative point values — but the only way to know what a specific card pays on your charges is to score them. That is exactly what the optimizer does.
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
← All merchant & bill guides · Best card for Costco · Best card for Sam's Club · Best flat-rate cash-back cards