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Which credit cards does Sam’s Club accept? A 2022 guide

Use credit cards from all major issuers to stock up on gas, groceries and more.

Sam’s Club accepts credit cards from all major payment networks: Visa, Mastercard, American Express and Discover. Of course, some credit cards may offer more benefits than others. Here’s a look at eligible card networks accepted at Sam’s Club.

Credit card typeAccepted at Sam’s Club
American ExpressYes

What is the best credit card to use at Sam’s Club?

One of the most rewarding credit card options you can use at Sam’s Club is the retailer’s own credit card — Sam's Club® Mastercard®. With this card, you get to earn up to 5% back on Sam’s Club purchases, plus 5% back on gas on up to $6,000 annually (then 1%), 3% back on dining and 1% back on everything else. For a no-annual-fee card, this is an excellent rewards rate.

Alternative payment methods at Sam’s Club

If you don’t want to use credit cards to pay for your purchases at Sam’s Club, you can pay with:

  • Sam’s Club and Walmart gift cards and e-gift cards
  • Cash
  • Check
  • Debit card
  • Prepaid credit cards
  • SNAP

Bottom line

Sam’s Club accepts credit cards from all major payment networks. This is particularly good for shoppers who don’t have a Visa card, as Costco only accepts Visa. If you want to shop at Sam’s Club, however, you have many great cards to choose from. To get the most of your purchases, consider using a rewards credit card.

Frequently asked questions

Do I have to be a member to shop at Sam’s Club?
No. But if you shop at Sam’s Club without a membership, there will be a 10% service fee added to your bill.

Also, you need to have a Sam’s Club membership to get the Sam's Club® Mastercard® and earn up to 5% cash back on select categories.

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