Best Credit Card for Sam's Club in 2026

Other Options to Consider

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Capital One Savor Cash Rewards Credit Card

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Chase Freedom Unlimited®

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How to Choose a Credit Card for Sam's Club

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Since Sam's Club accepts all major credit cards, members have a wide array of choices to maximize rewards on their purchases, from the club's own co-branded card to general-purpose travel and cash-back cards.

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It’s tempting to chase a big welcome bonus, but don’t let a short-term gain overshadow long-term value. A common pitfall is choosing a card with high rewards on groceries or gas, only to find that warehouse clubs are excluded from those bonus categories. Always check the fine print and weigh any annual fee against the card's benefits to ensure it’s the right fit for your shopping habits.

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Key Factors

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• Rewards on warehouse club purchases:Many rewards cards exclude warehouse clubs from bonus categories like groceries, so confirm that your chosen card specifically rewards spending at Sam's Club or includes it in a general spending category.
• Annual fee:Weigh the card's annual fee against the value of the rewards and benefits you expect to earn from your typical spending to ensure you come out ahead.
• Welcome offer:A large introductory bonus is attractive, but it shouldn't be the only reason you choose a card; prioritize long-term value over a one-time gain.
• Co-branded vs. general-purpose cards:Consider whether a Sam's Club co-branded card with specific in-club perks or a flexible general-purpose rewards card better suits your overall spending habits.
• Additional benefits:Look beyond the rewards rate for valuable perks like travel credits, purchase protection, and extended warranties that can add significant value.

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What to Watch Out For

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Don't assume the co-branded Sam's Club card is automatically your best bet; a general-purpose card might offer more valuable or flexible rewards for your overall spending. It's also crucial to consider how you'll redeem your rewards, as earning points for travel you'll never take is a common misstep. Ultimately, a card's value extends beyond its earning rate at the warehouse club, so evaluate its entire rewards ecosystem.

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Decision Flow

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• If you are a dedicated Sam's Club shopper and want straightforward, high rewards on gas and in-club purchases... then the co-branded Sam's Club® Mastercard® is a strong contender. It's tailored for members and provides the most direct value for spending within the Sam's Club ecosystem.
• If you prioritize turning your bulk purchases into vacations... then a general-purpose travel rewards card is your best bet. Choose a card that earns flexible points on all purchases, ensuring your Sam's Club runs contribute to your next flight or hotel stay.
• If you want simple, high-value cash back on every purchase, not just at Sam's Club... then look for a flat-rate cash-back card. A card offering a consistent rate on all spending can often outperform cards with complex bonus categories, especially if warehouse clubs are excluded.
• If you are a business owner stocking up on supplies... then a business credit card is the way to go. These cards help separate personal and business expenses and may offer higher rewards on general spending or specific business categories.
• If your main goal is to avoid annual fees... then focus on no-annual-fee rewards cards. Many cards offer solid rewards on general spending without a yearly cost, ensuring every dollar in rewards you earn is pure profit.

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Maximize Your Return with Sam's Club

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To get the most out of every dollar you spend at Sam's Club, here are a few strategies to keep in your back pocket:

• Use a card with warehouse club rewards: Not all credit cards treat warehouse clubs as a bonus category, so choose one that specifically rewards you for your Sam's Club hauls.
• Stack your rewards: Combine your credit card earnings with cash-back apps or online shopping portals that offer rewards for in-store or online Sam's Club purchases.
• Consider the Sam's Club Mastercard: If you're a frequent shopper, the store's co-branded Mastercard offers competitive cash back rates on gas, dining, and in-club purchases.
• Redeem rewards wisely: Maximize the value of your points by exploring all redemption options, as transferring them to airline or hotel partners can often yield a higher return than cashing them out for a statement credit.

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Supercharge your Rewards with Kudos

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Stop guessing which card to use—Kudos is a free app that automatically selects your best card at checkout to maximize rewards. Get started for free.

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Other Things to Consider

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Choosing the right card isn't just about rewards; it's about how it fits your overall financial habits. A store-specific card, like one for Sam's Club, makes the most sense if you're a frequent shopper who can maximize its unique benefits. Regardless of the card you choose, disciplined debt management is crucial—always aim to pay your balance in full to avoid interest that can quickly erase your hard-earned cash back. It's also wise to consider your whole financial toolkit, as sometimes using cash or a Buy Now, Pay Later (BNPL) plan for a large purchase might be more prudent than adding to your credit card balance. The best strategy involves using each tool thoughtfully and responsibly.

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Our Methodology

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We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

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Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

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Can I use any credit card at Sam's Club?

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Sam's Club accepts most major credit cards, including Mastercard, Visa, Discover, and American Express. However, using the store's co-branded card often provides the best rewards on your purchases there.

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Does Sam's Club have its own credit card?

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Yes, Sam's Club offers the Sam's Club® Mastercard®, which provides cash back rewards on purchases made at Sam's Club and elsewhere. There are both consumer and business versions of the card available.

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Can I use my Sam's Club credit card at other stores?

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Since the Sam's Club credit card is a Mastercard, you can use it for purchases anywhere Mastercard is accepted. You will earn rewards on all your purchases, not just those made within Sam's Club.

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