Best Credit Card for Sam's Club
The best credit card for Sam's Club is Bilt Palladium Card because it earns 2x on Sam's Club purchases, the strongest effective return in the current ranking.
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
Bilt Palladium Card
2x base rate on Sam's Club; the best available return here despite no category-specific bonus
Before you click out
- This is the best fit only if you actually spend heavily on sam's club.
- Make sure the $495 annual fee still makes sense for your total spend.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate on Sam's Club; the best available return here despite no category-specific bonus
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Chase Ultimate RewardsChase Freedom Unlimited1.5xpts/dollar3.0%return1.5x base rate on Sam's Club; the best available return here despite no category-specific bonus
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Robinhood CashRobinhood Gold Card3xpts/dollar3.0%return3x base rate on Sam's Club; the best available return here despite no category-specific bonus
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RevenuedRevenued Business Card3xpts/dollar3.0%return3x base rate on Sam's Club; the best available return here despite no category-specific bonus
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Want broader partner inventory before you commit?
Use the partner marketplace only if you are still in category-browsing mode. If the top pick above already fits, the direct apply path is the cleaner decision.
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Quick summary
A short version of the recommendation with the main numbers and fallback option.
For Sam's Club purchases, Bilt Palladium Card is currently our top overall pick at 2x, which works out to about 4.0% back using CardCurator's current point valuations. 2x base rate on Sam's Club; the best available return here despite no category-specific bonus. If you want a no-annual-fee option, Chase Freedom Unlimited earns 1.5x there (3.0% effective return). At $500/month of spend, the top card is worth about $240/year before signup bonuses or statement credits. Summary generated October 24, 2026. Source: https://cardcurator.ai/best-credit-card-for/sams-club
- Bilt Palladium Card: 2x and 4.0% effective return.
- At $500/month, that's about $240/year in rewards value before bonuses.
- Chase Freedom Unlimited is the current no-fee fallback at 1.5x (3.0% effective return).
- Methodology uses live earn rates, annual fees, and current point valuations.
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 Chase Freedom Unlimited earns 1.5x on Sam's Club purchases with no annual fee (3.0% 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, Capital One Venture Rewards: $222/yr, Chase Freedom Unlimited: $180/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.