Best Credit Cards for Non Wholesale Club Rewards
Are you interested in cards that offer rewards for other spending categories besides wholesale clubs?
Many credit cards offer higher reward rates for groceries, gas, dining, and online shopping than wholesale club specific cards.
Users frequently combine several cards to maximize rewards across different spending habits.
Pay attention to merchant category codes, as using a store app for in store purchases can sometimes trigger online shopping rates.
Top rewards cards
- AAA Daily Advantage Visa Signature 5% on groceries and 3% on gas, wholesale clubs, streaming, and pharmacy.
- Venmo Visa Credit Card 3% cash back on your top spending category each month.
- Robinhood Gold Card 3% cash back on almost everything with no limitations.
- Citi Custom Cash Card 5% cash back on your top eligible spending category up to a monthly limit.
Many credit cards offer rewards for spending categories beyond wholesale clubs, such as groceries, gas, dining, and online shopping, often with higher reward rates than wholesale club-specific cards. Users frequently combine several cards to maximize rewards across different spending habits.
Top Card Recommendations for Diverse Spending
AAA Daily Advantage Visa Signature Card: Earns 5% back on groceries and 3% on gas, wholesale clubs, streaming, and pharmacy purchases, with a generous cap. "AAA Daily Advantage: 5x on groceries"
Venmo Visa Credit Card: Provides 3% cash back in your top spending category each month, which can include groceries and wholesale clubs. "Venmo earns 3% in your top spend category each month. If it's Grocery, then that includes both Wholesale (Costco) & Superstores (Walmart)"
Robinhood Gold Card: Offers 3% cash back on almost all purchases with no limitations, but requires a Robinhood Gold membership. "only thing I can think of is robinhood gold card. 3% on everything no limitations"
Other High-Reward Cards
US Bank Shopper Rewards Visa Signature Card: Gives 3% back on wholesale clubs up to a quarterly spend limit and 6% on two selected retailers (like Walmart or Target), with a $95 annual fee. "US Bank Shopper Rewards: $95 annual fee, 3% on wholesale clubs on $1,500 per quarter category spend and 6% on two selected retailers (Walmart and Target are options) on $1_500 per quarter category spend"
Bank of America Customized Cash Rewards Credit Card: Offers 2% to 3.5% back on wholesale clubs depending on your relationship tier and 3% on online shopping for the first year. "If you do Costco or Sams Club online, CCR with online shopping will give you baseline 3%."
Citi Custom Cash Card: Provides 5% cash back in your top eligible spending category, such as groceries or dining, up to a monthly limit. "Citi Custom Cash- x2 5% Gas/Groceries paired with upside offers too!"
Considerations for Card Strategy
Merchant Category Codes (MCCs): Some cards, like the Amex Blue Cash Everyday (BCE), can earn 3% on online shopping for wholesale clubs if you use their app for in-store purchases. "If you use the BJ's app to shop in store (Express Pay), the Amex BCE will code as online shopping for 3%."
Annual Fees and Caps: Be aware of annual fees and spending caps on rewards, as these can impact the card's overall value. "Unlimited up to 55000 points per statement - ask me how I found that lovely tidbit out..."
PayPal Debit Card: Historically offered 5% back on groceries, including wholesale clubs, but its redemption options are changing. "Right now I get 5% at Costco and Walmart with my PayPal debit card."
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Key takeaways
- Combine multiple cards to maximize rewards across different categories
- The AAA Daily Advantage card gives 5% on groceries and 3% on gas and wholesale clubs
- The Citi Custom Cash card gives 5% back on your top eligible category up to a monthly limit
- Watch out for annual fees and spending caps that limit reward earnings
- Using store apps for in store purchases can change the merchant category code
Common mistakes to avoid
- Ignoring annual fees and spending caps that cut into your overall value
- Forgetting that wholesale club purchases might code as online shopping when using a store app
- Assuming one single card is enough to get the best rate on every type of purchase
Quick tips
- Stack a high grocery card with a high gas card for everyday spending
- Check your merchant category codes by testing small purchases first
- Look into pairing cards with additional upside offers for more savings
FAQ
Which card gives a flat rate on all purchases?
The Robinhood Gold Card gives 3% cash back on almost all purchases with no limitations, but it requires a membership.
How can I get online shopping rates at a physical wholesale club?
If you use a store app like the BJ's Express Pay feature for an in store purchase, cards such as the Amex Blue Cash Everyday will code the transaction as online shopping and earn 3%.
What card is best if my top spending category changes monthly?
The Venmo Visa Credit Card gives 3% cash back on your top spending category each month, which can include groceries and wholesale clubs.
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