Purchase optimizer
Find the best card for a purchase
Browse catalog rules for a category. Program currencies and eligibility differ, so these are not ranked by dollar value. Matching wallet cards are highlighted in your browser.
Cards with listed category rules
Why these cards appear
1 published card match Warehouse Clubs, the personal and business card filter, and the selected annual-fee limit.
- Results are alphabetical—not a dollar-value ranking.
- The $500 monthly-spend estimate is context only because different reward currencies cannot be compared safely without a value assumption.
- Cards without a reviewed matching rule are omitted, not treated as earning zero.
Listed rates may require a particular hotel brand, booking portal, merchant or enrollment. A larger number is not necessarily a better return. Legacy reward currencies still need review; no automatic dollar ranking is shown.
Calculate value using your reward currency and assumptions →
Capital One
BJ's One+ Mastercard
5.00 listed rate · reward currency requires confirmation
Annual fee: $0
Purchase channel and brand restrictions: confirm with issuer.
Issuer-published earning rate. Category definitions, caps, account eligibility, redemption value and merchant coding can affect realized value.
Estimates are subject to issuer terms, spending caps, enrollment requirements and merchant coding.