What credit cards does Sam’s Club accept? | finder.com
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What credit cards does Sam’s Club accept?

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Use credit cards from all major issuers to stock up.

It’s easy to rack up big bills at a wholesale club like Sam’s Club. Luckily, it accepts credit cards from all major payment networks: Visa, Mastercard, American Express and Discover.

Credit cards accepted at Sam’s Club

Credit card typeAccepted at Sam’s Club
Visa
Mastercard
American Express
Discover

Our pick for a Visa card

Chase Freedom®

  • 0% intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.99% to 25.74%. Balance transfer fee is 3% of the amount transferred, $5 minimum
  • Earn a $150 bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
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Compare credit cards accepted at Sam’s Club

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
16.99% to 25.74% variable
0% for the first 15 months (then 16.99% to 25.74% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.65% to 24.65% variable

N/A

5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after)
$0
15.24% to 25.24% variable
0% for the first 12 statement closing dates (then 15.24% to 25.24% variable)
Earn more cash back for the things you buy most.
$0
13.99% to 24.99% variable
0% for the first 14 months (then 13.99% to 24.99% variable)
Earn 5% back on up to $1,500 in combined purchases in bonus categories every quarter you activate, then 1% thereafter. Earn 1% back on all other purchases.
$0
15.49% to 25.49% variable
0% for the first 18 months (then 15.49% to 25.49% variable)
Earn 1% cash back when you pay off your card, on top of the 1% cash back you earn when you make purchases. No annual fee.

Compare up to 4 providers

Best credit cards to use at Sam’s Club

For Sam’s Club, look for cards that offer elevated rewards for wholesale-club purchases. You might also pick a flat-rate-rewards card that offers solid rewards at Sam’s Club and everywhere else.

Chase Freedom® credit card

The Chase Freedom® credit card has bonus categories that rotate quarterly. Typically, one quarter out of the year will offer elevated rewards on wholesale-club purchases. If you’re willing to stock up on supplies during this bonus period, you could earn excellent rewards on your Sam’s Club purchases.

  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, then 1%. Get 1% cash back on all other purchases.
  • Earn $150 after you make $500 in purchases in the first three months of card membership.
  • No annual fee.

Discover it® Cash Back

With the Discover it® Cash Back, the strategy is the same as with the Chase Freedom® credit card. Wait for the quarter when you’ll earn elevated rewards on wholesale-club purchases, then stock up. The biggest difference is in their signup bonuses.

  • 5% cash back in rotating categories up to the quarterly maximum when you activate, then 1%. All other purchases earn 1% cash back.
  • As a welcome offer, Discover will match all of the cash back you earn in your first card year.
  • No annual fee.

Bank of America® Cash Rewards credit card

The Bank of America® Cash Rewards credit card is a solid choice at Sam’s Club because of its elevated rewards at wholesale clubs. You’ll also earn great cash back on groceries.

  • 3% cash back on gas and 2% back at grocery stores and wholesale clubs for the first $2,500 in combined purchases each quarter, then 1%. On all other purchases, earn 1% cash back.
  • Earn $200 in online cash rewards as a bonus after you spend at least $500 in purchases in the first 90 days of card membership.
  • No annual fee.

Citi® Double Cash Card

The Citi® Double Cash Card is an excellent choice at Sam’s Club and anywhere else. As long as you consistently pay off your purchases, you’ll earn an excellent rewards rate.

  • Earn 1% cash back on all purchases, and another 1% back as you pay for them.
  • Get a 0% intro APR on balance transfers for 18 months following your account opening, and 15.49% to 25.49% variable after that.
  • No annual fee.

Alliant Cashback Visa® Signature Credit Card

The Alliant Cashback Visa® Signature Credit Card has the best flat-rate cash back on the market. However, it has an annual fee starting the second year, which can eat into your rewards.

  • For your first year of card membership, earn 3% back on all purchases.
  • Starting your second year of card membership, earn 2.5% back on all purchases.
  • $59 annual fee, waived the first year.

Sam’s Club® Mastercard®

The Sam’s Club® Mastercard® doesn’t offer elevated rewards on Sam’s Club purchases. However, you’ll particularly like it if you spend a lot on gas.

If you want the card and own a business, consider the Sam’s Club® Business Mastercard®.

  • Get 5% cash back on gas for the first $6,000 in purchases per year, then 1%.
  • Earn 3% cash back on dining and travel, and 1% cash back on other purchases.
  • No annual fee.

Payment options at Sam’s Club

  • Sam’s Club and Walmart Credit
  • Sam’s Club and Walmart gift cards and e-gift cards
  • Cash
  • Check
  • Debit card
  • Credit cards: American Express, Mastercard, Visa, Discover
  • Prepaid credit cards
  • SNAP

Bottom line

Unlike Costco, which only accepts credit cards from Visa, Sam’s Club accepts credit cards from all major payment networks. That’s good news, as it means you have many great cards to choose from.

But your options aren’t limited to just these cards if you’re looking for cash back or points. You can always check out other rewards products.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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