Best cards at BJ's Gas
AAA Travel Advantage Visa Signature Card earns the most at BJ's Gas right now at 5%.
Rankings use issuer rates verified as of October 2, 2026.
#15%5%AAA Travel Advantage Visa Signature Card
Bread Financial · Visa · No annual fee · up to $7,000/yr (combined)
#25%5%USAA Cashback Rewards Plus American Express Card
Usaa · Amex · No annual fee · up to $3,000/yr
#35x5xSam's Club Mastercard
Synchrony · Mastercard · No annual fee · up to $6,000/yr (combined) · Lower rate after the cap
#45x5xPenFed Platinum Rewards Visa Signature Card
Penfed · Visa · No annual fee
#54%4%Costco Anywhere Visa Card by Citi
Citi · Visa · No annual fee · up to $7,000/yr (combined) · Lower rate after the cap
#64%4%Costco Anywhere Visa Business Card by Citi
Citi · Visa · Business · No annual fee · up to $7,000/yr (combined) · Lower rate after the cap
#74%4%Gemini Credit Card
WebBank · Mastercard · No annual fee · up to $300/mo (combined)
#84%4%PNC Cash Rewards Visa Credit Card
Pnc · Visa · No annual fee · up to $8,000/anniversary yr (combined)
#94x4xU.S. Bank Altitude Connect Visa Signature Card
U.S. Bank · Visa · No annual fee · up to $1,000/qtr (combined)
#104x4xU.S. Bank Business Altitude Connect Visa Signature Card
U.S. Bank · Visa · Business · $95/yr · up to $150,000/yr (combined) · Lower rate after the cap
Good to know at BJ's Gas
The card you use inside the club is usually the wrong card at its own pump, and this is exactly the kind of answer people get wrong. BJ's own cards earn nothing on fuel: gas is excluded from eligible BJ's purchases and excluded from the outside-of-BJ's rate as well, so both the BJ's One Mastercard and the BJ's One+ Mastercard pay zero at BJ's Gas. What the club gives you instead is an instant per-gallon discount — and the two cards are not the same here. The BJ's One takes 10 cents off a gallon; the BJ's One+ takes 15. Either way, claiming it requires paying with a BJ's card and scanning your membership card at the pump.
The discount and a rewards card are mutually exclusive, so price them against each other — and which card you hold decides the answer. A dime off is about 3.3% at $3.00 a gallon and 2.5% at $4.00, so the plain One loses to any 5% card. Fifteen cents is a different proposition: 5.0% at $3.00 and 3.75% at $4.00. At $3.00 a gallon the One+ discount matches the best gas card on this page outright, and it falls behind as fuel gets more expensive. That leader is the AAA Travel Advantage Visa Signature Card at 5% on gas and EV charging, with no annual fee. Its ceiling is $350 of cash back per calendar year across gas and EV charging combined, roughly $7,000 of fuel, after which it drops to 1%, less than either per-gallon discount is worth at $3.00 or $4.00 a gallon, which matters if you buy a lot of fuel.
Three more cards also earn 5% or 5x on gas, each with a condition the number alone does not show. The USAA Cashback Rewards Plus American Express Card pays 5% on gas with no annual fee, but only on the first $3,000 of gas spend a year, then 1%, and it requires USAA membership, which is open only to active service members, veterans and their eligible family members. The Sam's Club Mastercard pays 5% on gas and EV charging on up to $6,000 a year combined, then 1%, in Sam's Cash that loads to your Sam's Club membership for use in the club or online. The PenFed Platinum Rewards Visa Signature Card pays 5x with no cap, but only on gas paid at the pump, and PenFed says its points are worth at least 0.85 cents, so we rank it at that floor, about 4.25%; PenFed membership is open to anyone.
The math
Spend $200 a month at BJ's Gas and AAA Travel Advantage Visa Signature Card returns about $120 a year at our valuations — a flat 2% card returns $48.
Common questions
- What is the best credit card at BJ's Gas?
- AAA Travel Advantage Visa Signature Card earns the most at BJ's Gas right now at 5%.
- How does SwipeCaddy pick the best card at BJ's Gas?
- We rank each card by its reward rate times a conservative cash value of its points or miles — no inflated transfer valuations — and apply BJ's Gas's card-acceptance rules, so the "best" card is one you can actually use at the register.
- Do the BJ's One and One+ cards earn rewards at BJ's Gas?
- No. Fuel is excluded twice over — it does not count as an eligible BJ's purchase, and it does not qualify for the cards' outside-of-BJ's rate either. Both cards earn nothing at BJ's Gas. Their benefit at the pump is an instant per-gallon discount — 10 cents on the One, 15 cents on the One+ — which is a discount rather than rewards.
- Is BJ's per-gallon discount better than 5% cash back?
- It depends which BJ's card you hold. The One's 10 cents is about 3.3% at $3.00 a gallon and less as prices rise, so a 5% card such as the AAA Travel Advantage Visa Signature Card comes out ahead. The One+'s 15 cents is 5.0% at $3.00 — a tie at that price, and behind only once fuel passes roughly $3.00. You cannot take both, because the discount requires paying with a BJ's card and scanning your membership. Caps tilt it back toward the discount if you buy a lot of fuel: the AAA card's 5% stops at $350 of cash back a year and the USAA Cashback Rewards Plus American Express Card's after $3,000 of gas spend, and past those caps both pay 1%, less than either discount at $3.00 or $4.00 a gallon.
Rates reflect each card's best case at this merchant and can change; check the issuer's terms before applying.