MCC 5300 · Wholesale Clubs · Wholesale
For MCC 5300 (Wholesale Clubs) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 2% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
Tick the cards you hold to see which one to use here.
Based on published card terms, last checked 2026-09-30. Rates, caps and exclusions change; confirm with your bank before relying on them.
Miles are converted at your mile value; points cards without a published point value are listed separately below.
1.Capital One Venture Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.Bank of America Customized Cash Rewards Credit Card
Wholesale clubs
Automatic 2% category (MCC 5300 per program rules). Shares the $2,500 quarterly cap with grocery and the choice category.
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Active Cash Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
5.Blue Cash Everyday Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
6.Blue Cash Preferred Card from American Express
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
7.Capital One Savor Cash Rewards Credit Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
11.U.S. Bank Cash+ Visa Signature Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
1.American Express Gold Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
2.Chase Sapphire Preferred Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
3.Wells Fargo Autograph Card
Base rate (no bonus for this MCC)
Terms checked 2026-09-30 · Issuer terms ·
Highlighted merchants use MCC 5300 as their main code. Seen a different code? Report it.
For MCC 5300 (Wholesale Clubs) in the United States, the Bank of America Customized Cash Rewards Credit Card gives the highest cashback at 2% (cap: 2% and 3% categories combined: first $2,500 in net purchases per calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec), then 1%).
MCC 5300 is the merchant category code for Wholesale Clubs (Wholesale). MCC 5300 covers wholesale clubs, membership-based warehouse retailers selling groceries, household goods, electronics, and other products in bulk. It is frequently confused with 5411 (Grocery Stores, Supermarkets); many rewards programmes that give bonus points at supermarkets do not include wholesale clubs.
Merchants in the United States seen with MCC 5300 include CHEF'STORE, Costco, BJ's Wholesale Club, Costco Wholesale, Sam's Club. A merchant's MCC can differ by payment channel, so check the code on your statement.
MCC Explorer is independent and not affiliated with any bank. Card rules are summarised from each issuer's published terms; we don't guarantee that a transaction will earn rewards.