Best Credit Cards for Wholesale Club Cash Back Rewards
Would you like to know more about cards that offer rewards for wholesale clubs or specific payment methods?
Jul 30, 2026 · 06:11:07 UTC2 min read
Top cards for wholesale club purchases include the AAA Daily Advantage Visa Signature, Venmo Visa, and NIH FCU Cash Rewards, all offering 3% cash back on wholesale spending.
Bank of America Customized Cash Rewards and US Bank Shopper Rewards provide 2% to 3.5% back depending on tiers, while the Robinhood Gold Card acts as a catch all with 3% back almost everywhere for a $60 annual fee.
For BJ's shoppers, the Capital One BJ's Credit Card yields 5% back in store, and the PayPal Debit Card historically offered 5% at Costco and Sam's Club, though that redemption option is ending.
Users frequently recommend the AAA Daily Advantage Visa Signature, Venmo Visa, NIH FCU Cash Rewards, and certain Bank of America Customized Cash Rewards (BoA CCR) configurations for wholesale club purchases due to their higher cashback rates.
Top Credit Cards for Wholesale Clubs
AAA Daily Advantage Visa Signature Card offers 3% cashback on wholesale club purchases, with a cap of $10,000 in spending annually, and 5% on groceries. "The AAA daily card pairs nicely with the BCP. It gives you the 3% wholesale"
Venmo Visa Credit Card provides 3% cashback in your top spending category, which can include wholesale clubs if groceries is your highest spend. "Venmo earns 3% in your top spend category each month. If it's Grocery, then that includes both Wholesale (Costco) & Superstores (Walmart)"
NIH FCU Cash Rewards Visa offers unlimited 3% cashback on wholesale clubs and 4% in its categories during the first year. "NIH FCU Cash Rewards: unlimited 3% cash back on wholesale clubs"
Other Rewarding Options
Bank of America Customized Cash Rewards (BoA CCR) can offer 2% to 3.5% cashback on wholesale clubs, depending on your Preferred Rewards tier, for up to $2,500 in spending per quarter. "Bank of America Customized Cash Rewards: 2% to 3.5% on wholesale clubs (depending on relationship tier) on $2,500 per quarter category spend"
US Bank Shopper Rewards Card provides 3% on wholesale clubs for up to $1,500 per quarter in selected categories. "US Bank Shopper Rewards - has a $95 AF"
Robinhood Gold Card offers 3% cashback on almost all purchases with a $60 annual fee, making it a good "catch-all" option. "Robinhood Gold - offers 3% almost everywhere, with an eAF of $60"
Specific Club Cards and Workarounds
Capital One BJ's Credit Card gives 5% back at BJ's and 2% everywhere else, though cashback is typically redeemed as BJ's rewards points. "I've got the Capital One BJ's credit card and a BJ's Club+ membership, so I get 5% back at BJ's and 2% everywhere else."
PayPal Debit Card previously offered 5% cashback at Costco and Sam's Club when groceries were selected as the monthly category, but this benefit is changing. "Right now I get 5% at Costco and Walmart with my PayPal debit card. Unfortunately, the cash redemption option goes away in August."
Are you interested in cards that offer rewards for other spending categories besides wholesale clubs?
Pros & cons
Pros
Earn 3% cash back or more on bulk purchases
Options with no annual fee available
Specific store cards like BJ's offer 5% back
Cons
Many cards impose quarterly or annual spending caps
Some rewards are restricted to store points instead of cash
High tier requirements needed for the best BoA rates
Best for: Frequent shoppers at Costco, Sam's Club, or BJ's who want to earn higher cash back on bulk grocery and household purchases.
FAQ
What is the cash back rate for the AAA Daily Advantage Visa Signature Card at wholesale clubs?
It offers 3% cash back on wholesale club purchases, capped at $10,000 in spending annually.
How does the Venmo Visa Credit Card work at wholesale clubs?
It provides 3% cash back in your top spending category each month, which includes wholesale clubs like Costco if groceries is your highest spend.
Can Bank of America Customized Cash Rewards be used for wholesale clubs?
Yes, it offers 2% to 3.5% cash back on wholesale clubs depending on your Preferred Rewards tier, with a $2,500 quarterly spending cap.
Are there specific store cards for wholesale clubs?
The Capital One BJ's Credit Card gives 5% back at BJ's and 2% everywhere else, though cash back is redeemed as BJ's rewards points.
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