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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
Costco Anywhere Visa card art
Costco

Costco Anywhere Visa

5x
points per dollar
5.0%
effective return
No annual fee
annual fee

5x on Gas at Costco

Apply Now More Info

More Good Options

  • BJ's One+ Mastercard card art
    BJ's Rewards
    BJ's One+ Mastercard
    5x
    pts/dollar
    5.0%
    return

    5x on most purchases at BJ's

    Learn more →
  • Bilt Palladium Card card art
    Bilt Rewards
    Bilt Palladium Card
    2x
    pts/dollar
    4.0%
    return

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

    Learn more →
  • 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 →
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Quick summary

A short version of the recommendation with the main numbers and fallback option.

For Sam's Club purchases, Costco Anywhere Visa is currently our top overall pick at 5x, which works out to about 5.0% back using CardCurator's current point valuations. 5x on Gas at Costco. At $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Updated June 5, 2026. Source: https://cardcurator.ai/best-credit-card-for/sams-club

View source data
Top card
Costco Anywhere Visa
5x · 5.0%
No-fee fallback
Costco Anywhere Visa
5x · 5.0%
  • Costco Anywhere Visa: 5x and 5.0% effective return.
  • At $500/month, that's about $300/year in rewards value before bonuses.
  • Costco Anywhere Visa is the current no-fee fallback at 5x (5.0% effective return).
  • Methodology uses live earn rates, annual fees, and current point valuations.
Methodology Sources

Common Questions

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

The Costco Anywhere Visa is currently the top pick for Sam's Club purchases, earning 5x points per dollar — an effective 5.0% return.

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

The top-rated card for Sam's Club purchases, the Costco Anywhere Visa, earns 5x per dollar — an effective return of 5.0%.

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

Yes — the Costco Anywhere Visa earns 5x on Sam's Club purchases with no annual fee (5.0% 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?

Costco Anywhere Visa: $300/yr, BJ's One+ Mastercard: $300/yr, Bilt Palladium Card: $240/yr. The Costco Anywhere Visa 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.

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