Which card should I use at Sam's Club?
Sam's Club® Mastercard® has its own rate at Sam's Club. Every rate below was checked against the card issuer's or the store's own pages.
Cards are ordered by the value they earn per dollar here at our Balanced point values. The order is never paid for. Value per $100 assumes you have room left under any earning cap. Where a rate needs a membership, the value is for the first rate the row shows.
How purchases at Sam's Club are counted
Sam's Club's page for one of its clubs says the club accepts Visa, Mastercard, Discover and American Express from U.S. accounts.
The Sam's Club Mastercard pays 3% on Sam's Club purchases only to Plus members. Club members earn 1% there.
Barclays notes that warehouse clubs generally do not use the grocery store merchant category code.
Cards at Sam's Club
Cards with their own rate at Sam's Club
| Card | What it earns here | Value per $100 |
|---|---|---|
| Sam's Club® Mastercard® | 1%, or 3% back in Sam's Cash with Sam's Club PlusSam's Cash can be used only at a Sam's Club or on SamsClub.com. | $1.00 |
No annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| The Blue Business® Plus Credit Card from AmexBusiness | 2x pointsOn up to $50,000 a year across every purchase on this card, then 1x. | $4.92 |
| Citi Double Cash® Card | 2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank. | $4.60 |
| Chase Freedom Unlimited | 1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank. | $3.35 |
| Chase Ink Business UnlimitedBusiness | 1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank. | $3.35 |
| Capital One VentureOne BusinessBusiness | 1.5x miles | $3.27 |
| AAA Daily Advantage Visa Signature | 3% cash backUp to $500 cash back a year across grocery stores, wholesale clubs and gas stations combined, then 1%. | $3.00 |
| GM Rewards™ Mastercard® from Barclays | 3x pointsYou need a GM MyAccount to redeem GM Rewards points on GM websites, in GM mobile apps or through a GM vehicle. | $3.00 |
| American Airlines AAdvantage® MileUp℠ Card | 1x miles | $3.00 |
Annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| Bilt Palladium Card | 2x points | $5.02 |
| Capital One Venture Rewards Credit Card | 2x miles | $4.36 |
| Capital One Venture BusinessBusiness | 2x miles | $4.36 |
| Capital One Venture X Rewards Credit Card | 2x miles | $4.36 |
| Capital One Venture X Business CardBusiness | 2x miles | $4.36 |
| Air France KLM Visa Signature | 1.5x miles | $3.75 |
| United Club℠ Business CardBusiness | 1.5x miles | $3.45 |
| Citi Strata Elite℠ Card | 1.5x points | $3.45 |
Other cards earn here too. Check the cards you hold in Which Card.
A card is listed only once we have read its rate on the issuer's or the store's own page.
From credit unions and other member-only issuers
These cards pay more than their base rate here, but only members of the issuing institution can get them, so they sit outside the order above. They matter if you already hold one.
- Nusenda Visa® Platinum Cash Rewards Credit Card: 5% cash back. From Nusenda Credit UnionUp to $75 in bonus cash a quarter across the quarter's bonus categories.In Q4 2026.
Cards at Sam's Club Gas
Cards with their own rate at Sam's Club Gas
| Card | What it earns here | Value per $100 |
|---|---|---|
| Sam's Club® Mastercard® | 5% back in Sam's CashSam's Cash can be used only at a Sam's Club or on SamsClub.com.On up to $6,000 a year across gas and EV charging on this card, then 1%. | $5.00 |
No annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| AAA Travel Advantage Visa Signature | 5% cash backUp to $350 cash back a year across gas and EV charging, then 1%. | $5.00 |
| The Blue Business® Plus Credit Card from AmexBusiness | 2x pointsOn up to $50,000 a year across every purchase on this card, then 1x. | $4.92 |
| United Gateway℠ Card | 2x miles | $4.60 |
| Citi Double Cash® Card | 2x pointsThis value assumes full transfer rates to travel partners, which need a second card from the same bank. | $4.60 |
| Chase Ink Business Cash® Credit CardBusiness | 2x pointsOn up to $25,000 a year across gas and dining on this card, then 1x.This value assumes the points move to travel partners, which needs a second card from the same bank. | $4.46 |
| Verizon Visa® Card | 4% in Verizon DollarsNeeds a personal Verizon postpaid wireless account you own or manage, or a personal Fios account you own.Verizon Dollars have no cash value. Verizon says you can use them on your Verizon bill and on hotels, tickets and gift cards. | $4.00 |
| Chase Freedom Unlimited | 1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank. | $3.35 |
| Chase Ink Business UnlimitedBusiness | 1.5x pointsThis value assumes the points move to travel partners, which needs a second card from the same bank. | $3.35 |
Annual fee
| Card | What it earns here | Value per $100 |
|---|---|---|
| Chase Sapphire Preferred | 3x points | $6.69 |
| Hawaiian Airlines® World Elite Mastercard® | 2x points | $6.20 |
| Hawaiian Airlines World Elite Business Mastercard®Business | 2x points | $6.20 |
| Atmos Rewards Ascent Visa Signature® Card | 2x points | $6.20 |
| Atmos Rewards Visa Signature® Business CardBusiness | 2x points | $6.20 |
| Aeroplan® Credit Card | 2x points | $5.40 |
| Bilt Palladium Card | 2x points | $5.02 |
Other cards earn here too. Check the cards you hold in Which Card.
A card is listed only once we have read its rate on the issuer's or the store's own page.
From credit unions and other member-only issuers
These cards pay more than their base rate here, but only members of the issuing institution can get them, so they sit outside the order above. They matter if you already hold one.
- Nusenda Visa® Platinum Cash Rewards Credit Card: 5% cash back. From Nusenda Credit UnionUp to $75 in bonus cash a quarter across the quarter's bonus categories.In Q4 2026.
Questions
- Do I need Sam's Club Plus for the card's 3%?
- Yes. The Sam's Club Mastercard pays 3% on Sam's Club purchases to Plus members and 1% to Club members.
Sources
- Sam's Club® Mastercard®
- The Blue Business® Plus Credit Card from Amex
- Citi Double Cash® Card
- Chase Freedom Unlimited
- Chase Ink Business Unlimited
- Capital One VentureOne Business
- AAA Daily Advantage Visa Signature
- GM Rewards™ Mastercard® from Barclays
- American Airlines AAdvantage® MileUp℠ Card
- Bilt Palladium Card
- Capital One Venture Rewards Credit Card
- Capital One Venture Business
- Capital One Venture X Rewards Credit Card
- Capital One Venture X Business Card
- Air France KLM Visa Signature
- United Club℠ Business Card
- Citi Strata Elite℠ Card
- Nusenda Visa® Platinum Cash Rewards Credit Card
- AAA Travel Advantage Visa Signature
- United Gateway℠ Card
- Chase Ink Business Cash® Credit Card
- Verizon Visa® Card
- Chase Sapphire Preferred
- Hawaiian Airlines® World Elite Mastercard®
- Hawaiian Airlines World Elite Business Mastercard®
- Atmos Rewards Ascent Visa Signature® Card
- Atmos Rewards Visa Signature® Business Card
- Aeroplan® Credit Card
- Sam's Club