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What credit cards does Sam’s Club accept?

Use credit cards from all major issuers to stock up.

Updated

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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 typeAccepted at Sam’s Club
Visa
Mastercard
American Express
Discover

Compare grocery credit cards accepted at Sam’s Club

Name Product Filter values Rewards Purchase APR Annual fee
TD Cash Credit Card
3% on dining, 2% at grocery stores and 1% on all other eligible purchases
0% intro for the first 15 billing cycles (then 12.99%, 17.99% or 22.99% variable)
$0
3% on dining and 2% on groceries make this a valuable card for food purchases. Use it while traveling, too, with no foreign transaction fees. Available in: CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
CardMatch™ from creditcards.com
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See issuer's website
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Amalgamated Bank of Chicago Platinum Rewards Mastercard®
1x points on all purchases and 5x points in quarterly rotating categories on up to $1,500 each quarter you activate, then 1x points
0% intro for the first 12 months (then 12.9% to 22.9% variable)
$0
Earn 5x points in rotating categories and $150 after spending $1,200 in the first 90 days
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
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
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
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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® 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 after you make $500 in purchases in the first three months of card membership.
  • 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.

  • For your first year of card membership, earn 2.5% back on all purchases.
  • Starting your second year of card membership, 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 cash back twice. 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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