Does the Bank of America Customized Cash Rewards card work for wholesale clubs?

It offers 2% to 3.5% back at wholesale clubs depending on your relationship tier, and 3% on online shopping. Shopping at a wholesale club online codes as online shopping for the 3% category.

How do merchant category codes affect wholesale club purchases?

The category a store falls under dictates your reward rate. For example, using the BJ's app to pay in store codes the purchase as online shopping, earning 3% back on the Amex Blue Cash Everyday card.

Are there fees and limits to watch out for?

Yes. The US Bank Shopper Rewards card has a $95 annual fee and caps its wholesale club and retailer bonuses at $1,500 per quarter. Other cards have monthly spending caps for their highest reward rates.

Is the PayPal debit card still good for wholesale club spending?

It historically offered 5% back at places like Costco and Walmart, but its redemption options are currently changing.

Best Credit Cards for Rewards Beyond Wholesale Clubs

Several credit cards provide strong rewards for groceries, gas, dining, and online shopping, often outperforming cards limited to wholesale clubs. Users frequently combine multiple cards to earn the highest possible cash back across their varied purchases.

The AAA Daily Advantage Visa Signature card gives 5% back on groceries and 3% on gas, wholesale clubs, streaming, and pharmacy. The Citi Custom Cash card offers 5% back on your top eligible spending category each month, up to a limit.

Flat rate options include the Robinhood Gold card with 3% cash back on all purchases, though it requires a membership. The Venmo Visa card also gives 3% back on your top spending category each month, which can include groceries and wholesale clubs.

Best Credit Cards for Rewards Beyond Wholesale Clubs — infographic

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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