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The 9 Best Credit Cards for Shopping at Sam’s Club [2024]

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The 9 Best Credit Cards for Shopping at Sam’s Club [2024]

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Shopping at wholesale club retailers like Sam’s Club can save you a bunch of money if you’re able to accommodate the purchase of items in bulk. And while savings are great, buying in bulk could also result in leaving the store having spent a great deal of money.

You can count on the team here at Upgraded Points to embrace an opportunity to earn rewards on any purchase, especially large purchases. We’re always up to the challenge of determining the best ways to accomplish this objective.

That’s where we’re headed today. We’re going to take a look at how Sam’s Club works, review which credit cards can help you earn the most rewards for your Sam’s Club purchases — whether in-store or online — and compare all the options.

Let’s get started as we look at some of the best credit cards for earning rewards when shopping at Sam’s Club.

How Does Sam’s Club Work?

In 1983, Sam Walton, an already successful retail entrepreneur, opened the first Sam’s Club to provide products and services for small businesses. Sam’s Club now has ~600 locations worldwide offering discounted wholesale pricing for both consumers and businesses at its retail warehouse properties and online at samsclub.com.

You must purchase an annual membership to shop in-store or online at samsclub.com. Depending on how much you utilize the club, however, the opportunity to save by purchasing in bulk may well offset the cost of membership. If you own a business or have a large family, the savings realized by purchasing wholesale and in bulk could end up being significant.

Before we explore which credit cards are best for shopping at Sam’s Club, let’s talk about the benefits of membership, the cost, and how Sam’s Club’s Rewards program works.

Comparing Sam’s Club Memberships

Sam’s Club offers 2 levels of memberships, each offering its own collection of benefits for Sam’s Club shoppers. Let’s look at the different perks offered by each type of membership:

SCROLL FOR MORE
BenefitSam’s Plus Membership
$110 per Year 		Sam’s Club Membership
$50 per Year
Cash-back EarningsEarns 2% cash-back rewards, up to $500 cash-back per yearNo
Free ShippingYesNo
Early Shopping8 a.m. Monday to SaturdayNo
Curbside PickupFree$4 charge
Free Select Prescriptions, Discounted Prescriptions, and Discounts on OpticalYesNo
Tire Center — Free Flat Tire Repair, Battery Testing, and Wiper Blade InstallYes
Discounted Fuel at Sam’s Club Gas StationsYes
Member-only PricingYes
Free Membership for 1 Household MemberYes
Add-on Memberships at $45 EachYes, up to 16Yes, up to 8

If you own a business, the Sam’s Plus membership with 2% cash-back rewards, free shipping, early shopping, and the ability to add up to 16 memberships may provide value.

Sam’s Club Rewards Program — How It Works

Sam’s Club has its own rewards program for Sam’s Plus members only. Each qualifying purchase made at Sam’s Club or samsclub.com earns 2% cash-back, up to a maximum of $500 in cash-back each year.

Cash rewards are accumulated throughout the year and loaded onto your membership card by the end of February. Once the rewards are loaded onto your card, the funds are available for use.

Redemption options include purchasing items at Sam’s Club or cashing out the funds at a sales register. You can also allow the funds to accumulate in your account or use the funds to make a payment on a Sam’s Club credit card.

Rewards do not expire but a maximum of $2,000 is allowed to accumulate in your account.

Payment Options Accepted at Sam’s Club

Unlike its competitor Costco, Sam’s Club in-store and online accepts most major credit cards, including American Express, Visa, Mastercard, and Discover.

Forms of payment accepted at Sam’s Club and samsclub.com:

  • American Express
  • Debit cards
  • Discover
  • Mastercard
  • Prepaid credit cards
  • Sam’s Club credit cards
  • Visa
  • Walmart and Sam’s Club gift cards

Sam’s Club in-store accepts these additional forms of payment:

Samsclub.com also accepts Visa Checkout digital wallet service.

Bottom Line: Sam’s Club has 2 levels of membership. The Sam’s Plus membership that costs $110 per year has additional benefits over the base Sam’s Club Membership ($50), including cash-back rewards earning, free shipping, early shopping hours, free select prescriptions, and the ability to add up to 16 additional memberships at $45 each. Sam’s Club, both in-store and online, accepts most major credit, debit, and prepaid cards. 

The 6 Best Personal Credit Cards for Shopping at Sam’s Club

While you’ll be able to use just about any credit card at Sam’s Club in-store and online, several cards earn more rewards than others. The cards in this collection will ensure that you’re earning well on those purchases and more.

Card Summary

SCROLL FOR MORE
CardWelcome Offer and Annual FeeSam’s Club-Related Benefits
Sam’s Club® Mastercard®
  • No welcome offer available
  • No annual fee
  • 5% cash-back at Sam’s Club gas stations and U.S./Puerto Rico gas stations, up to $6,000 in purchases per year
  • 3% cash-back at Sam’s Club in-store and online for Plus members only, all others earn 1% on these purchases
  • Special financing options on Sam’s Club purchases
Chase Freedom Unlimited®
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Annual fee of $0
  • 3% cash-back on dining and drugstore purchases
  • 1.5% cash-back on every purchase, including Sam’s Club
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Chase Freedom Flex℠
  • Earn a $200 bonus after you spend $500 on purchases in your first 3 months.
  • Annual fee of $0
  • 5% cash-back when wholesale clubs are a quarterly bonus category, up to $1,500 in purchases per quarter
Bank of America® Customized Cash Rewards credit card
  • Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Annual fee of $0
  • 3% cash-back at gas stations, including Sam’s Club gas stations, when selecting gas stations as a quarterly bonus category
  • 3% cash-back for online purchases, including samsclub.com, when selecting online purchases as a quarterly bonus category
  • 2% cash-back at wholesale clubs, up to $2,500 in purchases per quarter
Capital One Venture Rewards Credit Card
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $95 (rates & fees)
  • 2x miles on every purchase, including Sam’s Club
Blue Cash Everyday® Card from American Express
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • Annual fee of $0 (rates & fees)
  • 3% cash-back (on up to $6,000 in purchases) on U.S online purchases

Hot Tip: Wholesale warehouse clubs, like Sam’s Club, sell various retail gift cards you can use for other purchases such as gas, dining, streaming services, and more. Use your rewards-earning credit card to maximize earnings by purchasing gift cards you can use for non-bonus earning purchases. 

Sam’s Club® Mastercard®

To be eligible for the Sam’s Club card, you must have either a Sam’s Plus or Sam’s Club membership.

Why We Like the Card for Shopping at Sam’s Club

First, elevated earnings on the Sam’s Club card are restricted to Plus Members exclusively. They’ll earn an impressive total of 5% cash-back at Sam’s Club gas stations and other U.S. gas stations (including Puerto Rico), up to $6,000 in purchases each year. Purchases made at restaurants also earn 3% cash-back.

Travel purchases, excluding Sam’s Club travel services, also earn 3% cash-back. Travel services offered by other wholesale clubs are excluded. Purchases made at Sam’s Club and samsclub.com earn 3% cash-back.

Sam’s Club also offers a Sam’s Club® Store Credit Card that does not earn rewards. Both cards qualify the cardholder for special no-interest financing options on larger Sam’s Club purchases.

Neither card charges an annual fee.

Drawbacks of the Sam’s Club Card

While the Sam’s Club card does offer stellar earnings at gas stations, restaurants, and travel purchases, earnings of 3% on Sam’s Club purchases are restricted to Sam’s Club Plus members only. All other members will earn just 1% on Sam’s Club purchases. If you have not paid for the upgraded membership, you could receive better earnings using an alternative credit card for Sam’s Club shopping. Additionally, the card comes with high-interest rates, late fees, and cash advance fees. 

Bottom Line: If you shop a lot at Sam’s Club gas stations and want a card that also rewards dining and travel, the Sam’s Club card could work for you. It is not, however, the best card for shopping at Sam’s Club in-store or online if you have not paid for the upgraded Plus membership due to just 1% earnings on those purchases. 

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Travel
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Financial Snapshot

  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

Why We Like the Card for Shopping at Sam’s Club

The Freedom Unlimited card earns 5% cash-back on travel purchases through Chase Ultimate Rewards, 3% cash-back on dining and drugstores, and every other purchase, including your purchases at Sam’s Club in-store and online, earns 1.5% cash-back.

Additional Card Benefits

Chase Freedom Flex℠

Chase Freedom Flex℠

Chase Freedom Flex℠

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.
Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
  • No annual fee
  • Excellent cell phone insurance
  • Ability to pool points
  • Mastercard World Elite benefits

Cons

  • 3% foreign transaction fees in U.S. dollars
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
  • Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
  • Member FDIC

Financial Snapshot

  • APR: 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

Why We Like the Card for Shopping at Sam’s Club

Each quarter, the Freedom Flex card offers bonus earnings for specific merchant categories. Cardholders earn 5% cash-back when warehouse clubs are a quarterly bonus category merchant. Activation is required.

The card could also be beneficial if you need to make a large purchase at Sam’s Club such as appliances or office furniture.

Additional Card Benefits

  • Earns cash-back in the form of Ultimate Rewards points which can be transferred to premium Chase credit cards, then redeemed for up to 50% more in value using the Chase travel portal, or transferred to airline and hotel partners for potentially even greater value.
  • Purchase protection and extended warranty

Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.

Bank of America® Customized Cash Rewards credit card

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
$0
0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re looking to the rake in the cash-back rewards, then the Bank of America® Customized Cash Rewards Credit Card is a great option. Not only do you get to choose the 3% category for the card, but you can also boost the cash-back you earn by being a member of the Bank of America Preferred Rewards program.

Pros

  • 3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (your category can be changed each month)
  • 2% cash-back at grocery stores and wholesale clubs
  • 1% cash-back on all other purchases
  • No annual fee
  • Boost your rewards rate with the Bank of America Preferred Rewards program

Cons

  • 3% and 2% cash-back categories are limited to the first $2,500 in combined purchases each quarter, then you’ll earn 1%
  • Charges a foreign transaction fee
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined quarterly purchases) and unlimited 1% on all other purchases.
  • If you’re a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and no expiration on rewards.
  • 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24%-28.24% Variable APR will apply. A 3% fee applies to all balance transfers in the first 60 days your account is open. After the intro balance transfer fee offer ends, the fee for all future balance transfers is 4%.
  • Contactless Cards – The security of a chip card, with the convenience of a tap.
  • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Financial Snapshot

  • APR: 0% Intro APR for 15 billing cycles for purchases and balance transfers. Variable rate of 18.24% - 28.24% applies thereafter.
  • Foreign Transaction Fees: 3%

Card Categories

Why We Like the Card for Shopping at Sam’s Club

The Bank of America Customized Cash Rewards card offers 3 ways to earn at Sam’s Club. First, because the card earns 3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings, you can earn 3% cash-back at gas stations, including Sam’s Club, when selecting that as your quarterly bonus earning category.

You could also select online purchases as your bonus category and earn 3% cash-back for samsclub.com purchases.

Finally, you’ll earn 2% cash-back at wholesale clubs, which includes Sam’s Club in-store and online purchases. Note that you’ll earn 3% and 2% cash-back on the first $2,500 in combined selected category/grocery store/wholesale club purchases each quarter, then earn 1%.

Additional Card Benefits

  • 3% cash-back category options include gas, online shopping, dining, travel, drug stores, or home improvement/furnishing
  • 2% cash-back at grocery stores and wholesale clubs
  • 1% cash-back on every other purchase
  • Bank of America Preferred Rewards members receive additional bonus earnings of 25% to 75% more cash-back on every purchase — that means you could earn 3.75% to 5.25% cash-back on purchases in your chosen category

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Why We Like the Card for Shopping at Sam’s Club

Every non-bonus category purchase you make with the Capital One Venture card, including Sam’s Club purchases, will earn 2x miles on purchases.

Additional Card Benefits

» Related: The Best Capital One Credit Cards for Travel Rewards, Cash-Back, and More [2024]

If you’re looking for a premium travel rewards card, the Capital One Venture X Rewards Credit Card will also earn 2x miles per dollar spent on all other non-bonused purchases, which includes at Sam’s Club. The card does come with a higher annual fee but includes a long list of travel rewards, insurance, and economic benefits.

Hot Tip: Combining a Sam’s Plus membership that earns 2% cash-back rewards with a rewards-earning credit card could make for elevated additional earnings on your purchases. 

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees

Blue Cash Everyday® Card from American Express

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Blue Cash Everyday® Card from American Express

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros

  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
  • Monthly credit towards The Disney Bundle
  • Monthly credit towards Home Chef

Cons

  • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.

Financial Snapshot

  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Why We Like the Card for Shopping at Sam’s Club

The Amex Blue Cash Everyday card shines when it comes to online shopping — you’ll earn 3% cash-back (up to $6,000 in purchases each year) at U.S. online retailers including samsclub.com.

Additional Card Benefits

  • 3% cash-back at U.S. supermarkets, does not include Sam’s Club, (up to $6,000 in purchases each year)
  • 3% cash-back at U.S. gas stations (up to $6,000 in purchases each year)
  • 1% cash-back on all other purchases

The 3 Best Business Credit Cards for Shopping at Sam’s Club

Business owners enjoy Sam’s Club for bulk pricing and special shopping hours that can be earlier than the general public.

Here are our choices for the best business cards for shopping at Sam’s Club.

Card Summary

SCROLL FOR MORE
CardWelcome Offer and Annual FeeSam’s Club-Related Benefits
Ink Business Unlimited® Credit Card
  • Earn $750 cash back after spending $6,000 in the first 3 months.
  • Annual fee of $0
  • 1.5% cash-back on every purchase, including Sam’s Club
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Capital One Spark Miles for Business

 

(Independently collected and not reviewed by Capital One)
  • Earn 50,000 miles once you spend $4,500 on purchases within the first 3 months.
  • Annual fee of $0 intro for the first year, $95 after that
  • 2x miles on all purchases, including Sam’s Club
The American Express Blue Business Cash™ Card
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • Annual fee of $0 (rates & fees)
  • 2% cash-back on every purchase, including Sam’s Club, up to $50,000 in purchases per calendar year, then 1%

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Why We Like the Card for Shopping at Sam’s Club

You’ll be earning 1.5% cash-back on every purchase with the Ink Business Unlimited card, including Sam’s Club in-store and online, but that’s not where the value ends. Establishing a business banking relationship with Chase is a smart move that can reap future rewards.

Additional Card Benefits

  • Earn rewards on every purchase
  • Earn cash-back in the form of Ultimate Rewards points that can be transferred to premium Chase personal or business credit cards and redeemed for travel for up to 1.5 cents per point; points can also then be transferred to travel partners for even greater potential value
  • Visa Signature benefits

Capital One Spark Miles for Business

Capital One Spark Miles for Business

Capital One Spark Miles for Business

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)

Capital One Spark Miles for Business

The Capital One Spark Miles card is a low-annual-fee business card that earns 2x transferable miles on every $1 you spend. (Information collected independently. Not reviewed by Capital One.)
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening.
50,000 miles
$900
$0 intro for the first year, $95 after that
26.24% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Capital One Spark Miles for Business is a great option for business owners looking for an uncomplicated rewards card that earns double miles on every purchase they make and offers access to transfer partners, all for a low annual fee.

 

Pros

  • Unlimited 2x miles per $1 spent on all purchases
  • 5x miles per $1 spent on hotel and rental cars purchased through Capital One Travel
  • 2 complimentary visits to a Capital One Lounge per year
  • Up to a $100 Global Entry or TSA PreCheck credit
  • Access to Capital One transfer partners
  • No foreign transaction fees
  • Free employee cards
  • Extended warranty coverage

 

Cons

  • Annual fee: $0 intro for the first year, $95 after that

 

  • Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
  • Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
  • Unlimited 5X miles on hotels and rental cars booked through Capital One Travel
  • Transfer your miles to 15+ travel loyalty programs
  • Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
  • Skip the lines with up to a $100 statement credit on TSA PreCheck® or Global Entry
  • $0 intro annual fee for the first year; $95 after that
  • Free employee cards which also earn unlimited 2X miles from their purchases

Financial Snapshot

  • APR: 26.24% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

 

Earn 2 miles on every purchase you make, including Sam’s Club in-store and online, with the Capital One Spark Miles card.

Additional Card Benefits

If you’d rather earn cash-back, the Capital One Spark Cash Plus Card card earns 2% cash-back on every purchase, including Sam’s Club.

The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ CardTerms Apply / Rates & Fees

The American Express Blue Business Cash™ Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex's secure site)

The American Express Blue Business Cash™ Card

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
$250
$0
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

Pros

  • 2% cash-back on up to $50,000 in spend, then 1% back thereafter
  • No annual fee
  • Travel and purchase protection

Cons

  • Not ideal for those who spend a lot on a specific category like groceries or gas
  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

Use your Amex Blue Business Cash card for your Sam’s Club purchase and earn 2% cash-back. The card earns 2% on every eligible purchase you make, up to $50,000 per calendar year; after that, then earn 1%.

Bottom Line: If your business spends a lot at Sam’s Club, it makes sense to be earning points, miles, or cash-back using a rewards-earning credit card for those purchases. Rewards can help to add revenue to your bottom line, offset business expenses, or even fund an annual family vacation.

Final Thoughts

Very few credit cards offer stellar rewards earning for Sam’s Club purchases. The best card for shopping at Sam’s Club, whether in-store or online, could be the card that aligns best with your mix of spending.

If you purchase a lot at Sam’s Club both in-store and online, for example, you might consider the Bank of America Customized Cash Rewards card as it ensures you can earn 2% to 3% cash-back on those purchases.

If you value the ability to redeem points for travel, the Ink Business Unlimited card, Freedom Unlimited card, or the Freedom Flex card allow you to transfer valuable Ultimate Rewards points to premium Chase credit cards where you can receive up to 50% more in value when redeeming for travel. Plus, you would have the option to then transfer to airline and hotel partners.

Our list of cards that earn rewards when shopping at Sam’s Club is not all-inclusive. Any credit card that delivers greater than 1% on your Sam’s Club purchases, matches your tolerance for paying an annual fee, has reward redemption options you can utilize, and other benefits for which you find value has the potential to be your go-to card for shopping at Sam’s Club.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
The information regarding the Sam’s Club® Mastercard®, Sam’s Club® Store Credit Card, and Capital One Walmart Rewards® Mastercard was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Capital One Spark Cash Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Information regarding the Capital One Spark Miles for Business was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 
For rates and fees of the Blue Cash Everyday® from American Express, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.

Featured Image Credit: JHVEPhoto - stock.adobe.com

Frequently Asked Questions

Which is the best credit card for shopping at Sam's Club?

The best credit card for shopping at Sam’s Club will depend on your mix of spending. If you spend a lot in-store at Sam’s Club, the best card may be different than if you make large purchases at samsclub.com or at Sam’s Club gas stations. Another consideration will be if you prefer a card that also rewards your overall spending or if you’re looking for a card to use mostly at Sam’s Club. See our card recommendations in this article.

How do Sam's Club Rewards work?

Sam’s Plus members ($110 annual membership fee) qualify for 2% cash-back rewards earning (up to $500 each year) on every purchase made at Sam’s Club and samsclub.com.

Rewards accumulate and are transferred to your membership card once per year by the end of February. Once the rewards are transferred, the balance is available to use.

Rewards can be redeemed for your Sam’s Club in-store or online purchase, for cash in-store, to make a payment on your Sam’s Club credit card, or left to accumulate.

Rewards do not expire, however, you can only accumulate up to a maximum of $2,000.

Can I shop at Sam's Club without a membership?

You cannot shop regularly in-store at Sam’s Club or at Sam’s Club gas stations without having a membership.

It is possible to request a Guest Pass for 24-hour access but you must pay a 10% surcharge on your purchases.

You can also shop at samsclub.com but you will not receive members-only pricing.

You do not need to have a membership to shop at Sam’s Club Optical Center, Sam’s Club Pharmacy, or to visit the cafe.

Can I use my Capital One Walmart Rewards® Mastercard® at Sam's Club?

Yes, you can use your Capital One Walmart card anywhere Mastercard is accepted, including Sam’s Club. However, you will not receive bonus earnings, only the base 1% cash-back earnings.

Does Sam's Club count as a grocery store or supermarket on my credit card?

No. Sam’s club is considered a warehouse club and does not qualify as a supermarket or grocery on most credit cards.

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About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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