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
BJ's One+ Mastercard
5x on most purchases at BJ's
Before you click out
- This is the best fit only if you actually spend heavily on sam's club.
- You are optimizing for rewards without taking on an annual fee.
- If this is your pick, apply now and keep this page open in another tab for reference.
More Good Options
Bilt RewardsBilt Palladium Card2xpts/dollar4.0%return2x base rate (no bonus for Sam's Club)
Apply Now
American Express Membership RewardsBlue Business Plus Credit Card from American Express2xpts/dollar4.0%return2x base rate (no bonus for Sam's Club)
Apply Now
Capital OneCapital One Venture Rewards2xpts/dollar3.7%return2x base rate (no bonus for Sam's Club)
Apply Now
Rewards Calculator
Enter a monthly spend amount above to see estimated annual rewards per card.
Quick summary
A short version of the recommendation with the main numbers and fallback option.
For Sam's Club purchases, BJ's One+ Mastercard is currently our top overall pick at 5x, which works out to about 5.0% back using CardCurator's current point valuations. 5x on most purchases at BJ's. At $500/month of spend, the top card is worth about $300/year before signup bonuses or statement credits. Summary generated July 26, 2026. Source: https://cardcurator.ai/best-credit-card-for/sams-club
- BJ's One+ Mastercard: 5x and 5.0% effective return.
- At $500/month, that's about $300/year in rewards value before bonuses.
- BJ's One+ Mastercard is the current no-fee fallback at 5x (5.0% 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 BJ's One+ Mastercard 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 BJ's One+ Mastercard, 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 BJ's One+ Mastercard 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?
BJ's One+ Mastercard: $300/yr, Costco Anywhere Visa: $300/yr, Bilt Palladium Card: $240/yr. The BJ's One+ Mastercard 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.