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Best Credit Card for Sam's Club in 2026

We ranked every major cash back credit card by what you actually earn at Sam's Club. The top pick earns 5% — here's the full breakdown.

8 cards earning 2%+ at Sam's Club · sorted by highest cash back · updated Q1 2026

1
Discover it® Cash Back
Discover it® Cash Back
Discover
5% at wholesale clubs (Sam's Club, BJ's) — Q1 2026 ACTIVE CATEGORY (activate at Discover.com)
✅ Active this quarter · activate to earn
Annual fee: No annual fee
5%
cash back
Apply Now — Earn 5% at This Store →

Why #1: This rotating category is active right now — swipe this card at Sam's Club to earn 5% cash back this quarter (activation required at issuer site).

2
VISA
Robinhood Gold Card
Robinhood / Sutton Bank
3% unlimited cash back on all purchases — no categories, no caps. ⚠️ Requires Robinhood Gold subscription ($5/mo). Effective rate is ~3% if you spend $6,000+/yr; otherwise the subscription cost reduces net earnings.
Annual fee: No annual fee
3%
cash back
Apply Now — Earn 3% at This Store →

Why #2: Solid 3% cash back at Sam's Club with no activation needed. No annual fee — easy to hold long-term.

3
Alliant Cashback Visa® Signature Card
Alliant Cashback Visa® Signature Card
Alliant Credit Union
2.5% unlimited cash back on all purchases (Tier 1 member; requires $1,000 avg daily balance in Alliant checking)
Annual fee: No annual fee
2.5%
cash back
Apply Now — Earn 2.5% at This Store →

Why #3: Earns 2.5% on all purchases including Sam's Club. A reliable flat-rate card with no hoops to jump through.

4
Citi Double Cash® Card
Citi Double Cash® Card
Citi
2% on everything (1% when you buy + 1% when you pay)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #4: Earns 2% on all purchases including Sam's Club. A reliable flat-rate card with no hoops to jump through.

5
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
Wells Fargo
2% cash rewards on all purchases, no limits
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #5: Earns 2% on all purchases including Sam's Club. A reliable flat-rate card with no hoops to jump through.

6
Bank of America® Customized Cash Rewards
Bank of America® Customized Cash Rewards
Bank of America
2% at grocery stores & wholesale clubs (up to $2,500/qtr combined)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #6: Earns 2% on all purchases including Sam's Club. A reliable flat-rate card with no hoops to jump through.

7
VISA
Fidelity® Rewards Visa Signature®
Fidelity / Elan
2% on all purchases (deposited into Fidelity account)
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #7: Earns 2% on all purchases including Sam's Club. A reliable flat-rate card with no hoops to jump through.

8
PayPal Cashback Mastercard®
PayPal Cashback Mastercard®
Synchrony / PayPal
2% cash back on all other purchases
Annual fee: No annual fee
2%
cash back
Apply Now — Earn 2% at This Store →

Why #8: Earns 2% on all purchases including Sam's Club. A reliable flat-rate card with no hoops to jump through.

Frequently Asked Questions

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

The best card at Sam's Club right now is the Discover it® Cash Back, earning 5% cash back. 5% at wholesale clubs (Sam's Club, BJ's) — Q1 2026 ACTIVE CATEGORY (activate at Discover.com)

Does any credit card offer more than 2% at Sam's Club?

Yes — the Discover it® Cash Back at 5%, the Robinhood Gold Card at 3%, the Alliant Cashback Visa® Signature Card at 2.5% all earn above 2% at Sam's Club.

What are rotating category credit cards?

Cards like the Chase Freedom Flex and Discover it Cash Back offer 5% cash back on rotating categories that change each quarter (up to $1,500/quarter). You must activate the bonus each quarter at the issuer's website. When Sam's Club's category is active, these cards can be the top earners.

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Cash back rates are estimates and may vary. Rotating category cards require quarterly activation. Always verify rates with your card issuer before applying. Links on this page may be affiliate links — PennySwiper may earn a commission at no cost to you.