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CardCurator — Rewards Intelligence
Sam's Club

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 sometimes have card-specific exclusions — verify whether purchases count as "grocery" or a separate retail category on your card.

Top Pick

Best Pick
Target Circle Credit Card card art
Target Circle

Target Circle Credit Card

5x
points per dollar
5.0%
effective return
No annual fee
annual fee
$50
signup bonus

5x base rate (no bonus for Sam's Club)

More Info

More Good Options

  • 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 →
  • 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 →
Compare these 3 cards side by side

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Common Questions

What is the best credit card to use at Sam's Club?

The Target Circle Credit Card is currently the top pick at Sam's Club, earning 5x points per dollar — an effective 5.0% return. 5x base rate (no bonus for Sam's Club)

How many points do I earn at Sam's Club per dollar spent?

Top cards earn between 2x and 5x at Sam's Club. Leading options include: Target Circle Credit Card (5x), Bilt Palladium Card (2x), Blue Business Plus Credit Card from American Express (2x).

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 sometimes have card-specific exclusions — verify whether purchases count as "grocery" or a separate retail category on your card.

Is there a no-annual-fee card that earns well at Sam's Club?

Yes — the Target Circle Credit Card has no annual fee and earns 5x at Sam's Club (5.0% effective return). 5x base rate (no bonus for Sam's Club)

See all best cards for Sam's Club