The Bilt Palladium Card is the best card for Sam's Club — it earns 2x (4.0% return) and 2x base rate on Sam's Club; the best available return here despite no category-specific bonus.
No annual fee: the Robinhood Gold Card earns 3x at Sam's Club with no annual fee (3.0% return).
Updated November 2025
Best Credit Card for Sam's Club
Compare the top credit cards to maximize your rewards every time you shop at Sam's Club.
Warehouse clubs have card-specific rules — some cards earn a grocery rate here, others earn a general retail rate. Costco only accepts Visa in-store; Sam's Club accepts all major networks. Dedicated warehouse club cards can offer 2–5% on all purchases, and general travel cards that earn on all spend often outperform store-branded cards once you factor in point values.
How CardCurator ranks this merchant
These rankings use current earn rates, annual fee drag, reward value, and merchant-category fit. They are based on live card data, not a fixed sponsored list.
Top Pick
Bilt Palladium Card
2x base rate on Sam's Club; the best available return here despite no category-specific bonus
Go broader than Sam's Club if you are still deciding by spending goal
This merchant page is best when you already care about Sam's Club. If you are still choosing the right card for all of your sam's club spend, use the category guide or the best-cards hub first.
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
More Info →
Robinhood CashRobinhood Gold Card3%pts/dollar3.0%return3x base rate on Sam's Club; the best available return here despite no category-specific bonus
More Info →
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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RevenuedRevenued Business Card3%pts/dollar3.0%return3x base rate on Sam's Club; the best available return here despite no category-specific bonus
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Quick summary
A short version of the recommendation with the main numbers and tradeoffs.
At Sam's Club, Bilt Palladium Card is currently our top overall pick at 2x, which works out to about 4.0% back based on 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, Robinhood Gold Card earns 3x there (3.0% effective return). On $500/month of spend, the top card is worth about $240/year before signup bonuses or statement credits. Summary generated November 27, 2025. Source: https://cardcurator.ai/merchant/sam-s-club
- Bilt Palladium Card: 2x and 4.0% effective return.
- At $500/month, that's about $240/year in rewards value before bonuses.
- Robinhood Gold Card is the best no-annual-fee fallback at 3x, worth about $180/year at the same spend.
- Methodology uses live earn rates, annual fees, and current point valuations.
Common Questions
What is the best credit card to use at Sam's Club?
The Bilt Palladium Card is currently the top pick at Sam's Club, earning 2x points per dollar — an effective 4.0% return. 2x base rate on Sam's Club; the best available return here despite no category-specific bonus
How many points do I earn at Sam's Club per dollar spent?
Top cards earn between 1.5x and 3x at Sam's Club. Leading options include: Bilt Palladium Card (2x), Capital One Venture Rewards (2x), Robinhood Gold Card (3x).
Does Sam's Club count as sam's club for credit card rewards?
Sam's Club typically falls under the Sam's Club category for credit card reward purposes. Cards with a sam's club spending bonus will earn an elevated rate here. Warehouse clubs have card-specific rules — some cards earn a grocery rate here, others earn a general retail rate. Costco only accepts Visa in-store; Sam's Club accepts all major networks. Dedicated warehouse club cards can offer 2–5% on all purchases, and general travel cards that earn on all spend often outperform store-branded cards once you factor in point values.
Is there a no-annual-fee card that earns well at Sam's Club?
Yes — the Robinhood Gold Card has no annual fee and earns 3x at Sam's Club (3.0% effective return). 3x base rate on Sam's Club; the best available return here despite no category-specific bonus
Is a premium card worth the annual fee for Sam's Club spending?
The Bilt Palladium Card ($495/yr) earns 2x at Sam's Club. If you spend $1,031/month or more there, the category rewards alone offset the annual fee — before counting travel credits and other perks that often exceed $500 in value on premium cards.
Which card earns the most if I spend $500 per month at Sam's Club?
Bilt Palladium Card: $240/yr, Capital One Venture Rewards: $222/yr, Robinhood Gold Card: $180/yr. The Bilt Palladium Card earns the most at $500/month.
Need a situation-specific recommendation?
Merchant rankings are a good starting point, but the best card can change if you care more about international use, business spending, or lower-friction approval.