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Home»Credit Cards»Best credit cards for wholesale clubs
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Best credit cards for wholesale clubs

June 28, 2025No Comments2 Mins Read
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Best credit cards for wholesale clubs
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U.S. Bank Shopper Cash Rewards® Visa Signature® Card image

Best for superstores + wholesale clubs

U.S. Bank Shopper Cash Rewards® Visa Signature® Card

  • Like wholesale clubs, Walmart and Target are usually neglected among rewards card categories despite being top grocery destinations for many people. The U.S. Bank Shopper Cash Rewards® Visa Signature® Card* is perhaps the only major rewards card to specifically reward superstores and other major retailers unless you turn to a retail card. Even more surprising is how its potential rewards rates at these retailers and wholesale clubs may even surpass many co-branded cards’ store-specific rates (at least for a while). However, the quarterly spending caps may be a bit low for some bulk buyers.

  • Green circle with a checkmark inside

    Pros

    • The 6 percent retailer and 3 percent choice category cash back rates are some of the highest available for superstores and wholesale clubs, let alone with a cash back card.
    • The $250 bonus is above average for a cash back card, although the $2,000 spending requirement in the first 120 days is higher in exchange.
    • Although there’s a $95 annual fee, it’s $0 the first year if you want to see whether it fits your spending habits.
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    Cons

    • The $1,500 category quarterly spending limits might be too low for some spenders, so it may act more as a flat-rate 1.5 percent cash back partner card for a chunk of the year.
    • Unlike competing wholesale cards, it doesn’t offer bonus categories like gas or dining at the same time as the shopping categories.
    • The selectable gas and EV charging station category doesn’t include discount store/supercenter or wholesale club gas stations like co-branded cards often do.

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See also  Expanding access to private credit
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