Best Credit Card for BJ's Wholesale Club in 2026
BJ's Wholesale Club is classified under MCC 5300 (Wholesale Clubs). The best card for BJ's Wholesale Club purchases is the Shopper Cash Rewards ($95/yr annual fee), earning 6x on wholesale clubs — an effective return of 6.00%.
Does BJ's Wholesale Club accept Mastercard? Yes — BJ's Wholesale Club accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
BJ's Wholesale Club is a great place for bulk buying, making it ideal for families and small business owners looking to save money on essentials. Credit cards in the Cash Back category typically offer high rewards here.
Sign up for the BJ's credit card to get extra perks like free membership and special discounts on select items.
Spending Math
If you spend $200 a month at BJ's with Shopper Cash Rewards at 6x, you earn $12 per month or $144 annually. In comparison, a card earning just 1% would only net you $2 monthly and $24 yearly.
BJ's Wholesale Club purchases are classified under MCC 5300 (Wholesale Clubs).
MCC Details for BJ's Wholesale Club
Best Credit Cards for BJ's Wholesale Club (2026)
How BJ's Wholesale Club Codes on Your Statement
When you pay at BJ's Wholesale Club at their locations, your card issuer sees MCC 5300 in the transaction data. This code tells your bank that the purchase was made at a wholesale clubs merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "wholesale clubs" purchases, BJ's Wholesale Club transactions will qualify — even if your card terms only mention a category name and not BJ's Wholesale Club specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any BJ's Wholesale Club transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5300 qualifies for bonus rewards.
Bonus Category Match — BJ's Wholesale Club
About MCC 5300: Wholesale Clubs
Merchant Category Code 5300 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Wholesale Clubs industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5300, all qualifying card programs that include wholesale clubs as a bonus category will apply the elevated earn rate.
The Retail industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Wholesale Clubs merchants: BJ's Wholesale Club, Boxed, Costco.
What You Could Earn at BJ's Wholesale Club
Spending $200/month at BJ's Wholesale Club with the Shopper Cash Rewards (6x on wholesale clubs) earns approximately $144/year in rewards. A basic 1% card earns $24 on the same spending. After the $95 annual fee, that is $49 more per year.
Prefer no annual fee? The AAA Daily Advantage earns 3x at BJ's Wholesale Club merchants, earning $72/year with no annual fee.