Best Superstore and Wholesale Club Credit Cards

By Amy Lu. Last updated 30 October 2021. 0 comments

Many of the credit card offers that appear on the website are from credit card companies from which Wise Bread receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. Any opinions expressed are those of the author's alone, and have not been reviewed, approved, endorsed, or provided by the issuer.


Shoppers want high-quality, affordable options — even better if they can pick up everything they need at a single store. Superstores and wholesale clubs sell all the basics a regular family needs, including fresh produce, clothing, hardware and fixtures, electronics, auto supplies, and even prescription medicine. Many of these giant retailers now offer their own store credit cards, allowing consumers to earn rewards and save even more on everyday purchases.

Superstore Credit Cards

You can buy pretty much anything at these superstores, and many of these credit cards offer additional rewards, discounts, or benefits on top of the everyday savings.

Target REDCard™

The Target REDCard offers 5% off all your purchases at Target and, plus free shipping on most orders at and an extra 30 days to return items. There's also a debit card version of the REDcard, which works like a check and draws on your checking account. There is no annual fee for either card.

Walmart Credit Card

The Walmart credit card starts you off with a 10% (up to $25) savings on purchases when you open an account. Get 3% back on purchases, 2% back on Murphy USA and Walmart gas, and 1% at Walmart and anywhere else your card is accepted. You receive these savings as statement credit. There is no annual fee. Rewards Visa Card

Amazon has everything you might expect at a superstore, and their credit card has a strong rewards program to boot. The Rewards Visa Card offers three rewards per dollar on purcahses at, plus two points at gas stations, restaurants, and drugstores. All other purchases are one point per dollar. There are no earning caps and no point expiration. You can use your rewards to pay for purchases, or redeem for cash back, gift cards, and travel. There is no annual fee.

Big Lots Credit Card

Big Lots is known for carrying a wide variety of closed out or overstocked merchandise. Here, you can buy packaged food and drinks, clothing, furniture, and electronics. If you're planning to make a large purchase (or a few large purchases), the Big Lots credit card offers special financing options that will make payment easier on your budget. There is no annual fee.

Wholesale Club Credit Cards

You need to pay a membership fee in order to shop at wholesale clubs, but the savings you reap can be well worth it, especially when you factor in the perks that come with wholesale club credit cards.

Sam's Club Mastercard

Part of the Walmart empire, Sam's Club ranks right up there with Costco when it comes to sales — and savings. With the Sam's Club Mastercard, you get 5% back at U.S. and Puerto Rican gas stations and on gas at Sam's Club (on up to $6,000 in purchases per year), 3% cash back is on dining and travel, and 1% on other purchases. Get a $45 statement credit when you open a Sam's Club consumer credit card and make a $100 purchase on the same day (offer ends March 31, 2016). There is no annual fee for this card.

BJ's Perks Mastercard

Rounding out the top three of wholesale clubs is BJ's Wholesale Club, and the BJ's Perks Mastercard is nothing to sneeze at. Get up to 5% back on most in-Club and purchases, 2% back on dining and non-BJ's gas purchases, and 1% on other purchases. Use this card to save 10 cents per gallon at BJ's Gas and save up to $25 when you renew your membership fee.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.