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If you are a member of a wholesale club, you are probably a thrifty individual who tends to avoid extraneous credit card offers. However, one of the best and most convenient business credit cards you can get are the ones that are offered by the big wholesalers: BJ’s, Costco and Sam’s business credit cards offer excellent deals, low interest rates, and work very well with the organizations that you are already doing business with.

The Sam’s business credit card, for example, carries no annual fee, offers direct cashback rewards rather than unnecessary bonuses, and replaces the need for your membership card. Business credit cards offered by Costco and BJ’s are similarly direct, and they are very reliable and direct. The advantage of all of these credit cards is that they are marketing themselves towards retailers, business people, and other people who are looking for no-nonsense business credit that they can use for the most essential of their business needs.

Wholesalers also offer some of the most useful personal credit cards as well. The ones that do carry an annual fee (Costco does, for example) end up using this fee to replace the annual membership fee that you would pay anyway to the wholesaler, making them effectively some of the cheapest credit cards you can find. Their interest rates and rewards tend also to be very practical for consumers and are often the best credit cards that one can use for wholesale shopping…which is good because wholesalers are one of the largest expenses that American consumers have.

This Business article was written by Mark Karavan on 1/22/2010