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What credit cards does Sam’s Club accept?

Use credit cards from all major issuers to stock up.


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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 type Accepted at Sam’s Club
American Express

Compare grocery credit cards accepted at Sam’s Club

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Blue Cash Everyday® Card from American Express
20% at up to $200 back in the first 6 months, 2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
This everyday cashback card is ideal for Black Friday and holiday shopping with 20% back at up to $200 back in the first 6 months. Rates & fees
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

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Consider these credit cards for 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 Flex℠ credit card

The Chase Freedom Flex℠ 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%. Also, 5% on travel from the Chase Ultimate Rewards portal, 5% on Lyft through March 2022, 3% at restaurants, including takeout and delivery, and 3% for drugstore purchases. Get 1% cash back on all other purchases.
  • Earn after you make $500 in purchases in the first 3 months of card membership, plus 5% cash back at grocery stores on up to $12,000 in the first 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 a category of your choice 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 $1,000 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 13.99% to 23.99% 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.

  • Earn 2.5% back on all purchases.
  • $99 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.

Our pick for cashback at Sam's Club

Citi® Double Cash Card

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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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.

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