Best cards for Wholesale clubs
Costco, Sam's Club and warehouse stores.
Last updated
- 1Citi4.0%value back ⓘApply
- 2RobinhoodRobinhood Gold
3× points · at 1.0¢/pt
3.0%value back ⓘApply - 3U.S. Bank3.0%value back ⓘApply
- 4ChaseUnited Club Infinite
2× miles · at 1.3¢/pt
2.6%value back ⓘApply - 5ChaseUnited Quest
2× miles · at 1.2¢/pt
2.4%value back ⓘApply - 6Capital OneVenture X
2× miles · at 1.0¢/pt
2.0%value back ⓘApply - 7Capital OneVenture X Business
2× miles · at 1.0¢/pt
2.0%value back ⓘApply - 8Capital OneVenture
2× miles · at 1.0¢/pt
2.0%value back ⓘApply - 9ChaseInk Business Premier
2% back
2.0%value back ⓘApply - 10American ExpressBlue Business Plus
2× points · at 1.0¢/pt
2.0%value back ⓘApply - 11Capital OneSpark Cash Plus
2% back
2.0%value back ⓘApply - 12CitiCiti Double Cash
2% back
2.0%value back ⓘApply
“Value back” = earn rate × the card's baseline point value (cpp) — a conservative, like-for-like estimate. Transferable points (Amex, Chase, Capital One) are often worth more than baseline. Category bonuses may be capped; see each card. All categories
How these numbers are calculated, and where every fact comes from: How we know this.
Frequently asked
What is the best credit card for wholesale clubs in 2026?
By effective value back, Costco Anywhere Visa leads at about 4.0% on wholesale clubs (Up to $7,000/year combined, then 1%). Your own spend and whether you'll use the card's other perks can change the best pick.
Do I need a card with a wholesale clubs bonus?
Not always. If you don't spend much on wholesale clubs, a flat 2% card can net more after annual fees. Compare the value-back figures against your spend — the For-You tool does the math for you.
How is value back calculated?
Effective value back = the earn rate × the card's baseline point value (cents per point). Cashback cards are worth 1¢ per point; transferable points are often worth more. Category spend caps are factored in.