Skip to main content
CardCurator — Rewards Intelligence
Sam's Club

Best Credit Card for Sam's Club

Compare the top credit cards for Sam's Club purchases and find which one earns the most rewards.

Sam's Club accepts all major credit cards. The Sam's Club Mastercard earns 5% back on gas, 3% on dining and travel, and 1% on all other Sam's Club purchases for Plus members.

Top Pick

Best Pick
Bilt Palladium Card card art
Bilt Rewards

Bilt Palladium Card

2x
points per dollar
4.0%
effective return
$495/yr
annual fee

2x base rate (no bonus for Sam's Club)

Apply Now More Info

More Good Options

  • Blue Business Plus Credit Card from American Express card art
    American Express Membership Rewards
    Blue Business Plus Credit Card from American Express
    2x
    pts/dollar
    4.0%
    return

    2x base rate (no bonus for Sam's Club)

    Learn more →
  • Capital One Venture Rewards card art
    Capital One
    Capital One Venture Rewards
    2x
    pts/dollar
    3.7%
    return

    2x base rate (no bonus for Sam's Club)

    Learn more →
  • Citi Double Cash card art
    Citi ThankYou Points
    Citi Double Cash
    2x
    pts/dollar
    3.6%
    return

    2x base rate (no bonus for Sam's Club)

    Learn more →
  • Chase Freedom Unlimited card art
    Chase Ultimate Rewards
    Chase Freedom Unlimited
    1.5x
    pts/dollar
    3.0%
    return

    1.5x base rate (no bonus for Sam's Club)

    Learn more →
Compare these 3 cards side by side

Rewards Calculator

$ / month

Enter a monthly spend amount above to see estimated annual rewards per card.

Common Questions

What is the best credit card for Sam's Club?

The Bilt Palladium Card is currently the top pick for Sam's Club purchases, earning 2x points per dollar — an effective 4.0% return.

How many points do you earn on Sam's Club purchases?

The top-rated card for Sam's Club purchases, the Bilt Palladium Card, earns 2x per dollar — an effective return of 4.0%.

Is there a no-annual-fee card that earns rewards on Sam's Club?

Yes — the Blue Business Plus Credit Card from American Express earns 2x on Sam's Club purchases with no annual fee (4.0% effective return).

Is a premium card worth the annual fee for Sam's Club spending?

The Bilt Palladium Card ($495/yr) earns 2x on Sam's Club purchases. If you spend $1,031/month or more on sam's club, the rewards offset the annual fee — before counting travel credits and other perks.

Which card earns the most if I spend $500 per month on Sam's Club?

Bilt Palladium Card: $240/yr, Blue Business Plus Credit Card from American Express: $240/yr, Capital One Venture Rewards: $222/yr. The Bilt Palladium Card earns the most at $500/month.

Do rotating category cards earn on Sam's Club?

Some cards — like Chase Freedom Flex and Discover it — occasionally feature sam's club as a 5% bonus category for one quarter per year. Year-round, a dedicated sam's club card typically outperforms rotating category cards since you can't always count on the bonus.

Popular Sam's Club merchants

Related categories