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 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
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.24% to 26.24% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
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 14.49% to 25.49% variable)
$95
6% cash back at US supermarkets. Rates & fees
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 14.49% to 25.49% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
$250
Earn 4x points at restaurants worldwide. Rates & fees
3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
0% intro for the first 15 months (then 15.74%, 21.74% or 25.74% variable)
$0
Earn $150 after spending $500 in the first 3 months.

Compare up to 4 providers

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 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.
  • $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 use at Sam's Club

Blue Cash Preferred® Card from American Express

  • Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • NEW 6% cash back on select U.S. streaming subscriptions.
  • NEW 3% cash back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 2018.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%
  • $95 annual fee.
  • Terms apply.
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See Rates & Fees
Promoted

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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