50 Best Credit Cards For Sam's Club | The Point Calculator

Best Credit Cards For

Sam's Club Purchases

A list of the 50 best credit cards for Sam's Club purchases based on your spend, pulled from a database of 250+ cards. Compare results. Cards auto update.


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Sam's Club, owned by Walmart, is one of the main warehouse clubs in the United States. They offer a little bit of everything ranging from grocery to electronics to travel to everything else between. If you primarily shop at Sam's Club, you'll want to earn the best return per $1 spent online and in-store.

The first card worth mentioning is the Sam's Club Mastercard. If you're already a Sam's Club member, then there's no additional fee to hold this card. Using it at Sam's Club will earn you a whopping 1% cash back. A lot right? No. The Sam's Club Mastercard is not for Sam's Club spend. It is actually a very nice travel rewards card in disguise and one of the best credit cards for gas station spend. You should only pick up this card if you plan on using it for travel.

Bank of America's Cash Rewards Mastercard can earn you between 2% and 3.5% cash back depending on how much you have invested with them and their partners. You can also earn up to 5.25% across other categories. Bank of America is the way to go if you have money laying around that you can put in a savings or investment account.

sams club membership cost
Sam's Club has two different membership levels.

If you have know how to use transferable rewards points and can redeem them for 1.5 cents or more each, you can get great value out of the AMEX Blue Business Plus Card as well as the Citi Double Cash if you have a premium Citi ThankYou credit card and the Chase Ink Business Unlimited Visa or Chase Freedom Unlimited if you have any Ultimate Rewards Point earning credit card.

Outside of those options, you can always just pick up a 2% cash back credit card.

Category Calculator

Listed below are the best credit cards for the given category sorted by return. Some credit cards have a wide range of value due to having multiple redemption options that yield such. For example, you may be able to redeem a program's points for cash back at value of 0.5 cents each but redeeming the same points for travel could offer a value of 1.25 cents each. You don't want to pick up a card that has an annual fee that doesn't match up with how you plan on redeeming your rewards. That will give you a negative return and no one wants that. So be sure to research the value of points and miles to get an idea of how value they will have for you. Don't go by the return values listed below alone.

You can click on a card's Rewards Calculator button (where applicable) to calculate how much you can earn across all categories on the card based on your spend, how much you value the benefits of the card, and any annual fees including authorized user fees (if applicable). You'll also be able to compare the results side by side any other card featured on the site based on the same spend. And spend you enter into a credit card rewards calculator will carry over to other credit card calculators on the site.

Compare credit cards side by side based on spend, benefits, and fees.

You can click on the name of the rewards the card earns to learn more about earning, redeeming, and transferring rewards within that rewards program as well as other useful information such as elite status, buying/gifting rewards, and much more. These also pages features additional calculators that can lend a hand in determining if a program could be a good fit based on your spending habits.

Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Re-Calculate to refresh the results.

Adjust Transferable Points

Credit cards that are part of the American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Capital One Rewards programs will normally be towards the top of the list due to the value of transferring rewards to partners. Selecting this box will give these currencies their non-point transfer value. You will need to Re-Calculate after changing this option.

Bank (Holder)

The bank issuing the card.

Network

The network the card is tied to.

Card Type

The type of card such as co-branded airline cards, hotel cards, cruise line cards, etc.

Rewards Type

The type of rewards the card earns.

Personal/Business

Toggle switch for displaying personal and business cards. Card combos are also featured on this site (i.e. AMEX Trifecta, Chase Trifecta).

Annual Fee (Range)

The range of fees you're willing to pay to wield such cards.

Foreign Transaction Fee

The percentage of fees you'll pay on the dollar when you use the card outside of it's region.

Region

The region that the card is offered in. Credit cards from other regions are featured on this site, but for now this is set to USA only.

Results

Do note that results may take a few seconds to generate after doing a search.
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Page Last Updated: 2020-02-24
Written By: Robert Flowers III

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.


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