Best Credit Card for Sam's Club in 2026
We ranked major rewards cards by the rates and caveats we track for Sam's Club. The top listed option shows up to 3% — review the notes before relying on it.
8 cards earning 2%+ at Sam's Club · sorted by highest cash back · updated Q2 2026
Rankings use issuer/product-page reward terms where available. Rotating categories, legacy cards, and needs-review cards are labeled separately so old or uncertain offers do not look like normal applyable recommendations.
Why #1: Solid up-to-3% cash back option at Sam's Club. No annual fee — easy to hold long-term.
Why #2: Earns 2.5% cash back on purchases including Sam's Club. A reliable flat-rate option when category bonuses do not apply.
Why #3: Earns 2% cash back on purchases including Sam's Club. A reliable flat-rate option when category bonuses do not apply.
Why #4: Earns 2% cash back on purchases including Sam's Club. A reliable flat-rate option when category bonuses do not apply.
Why #5: Earns 2% cash back on purchases including Sam's Club. A reliable flat-rate option when category bonuses do not apply.
Why #6: Earns 2% cash back on purchases including Sam's Club. A reliable flat-rate option when category bonuses do not apply.
Why #7: Earns 2% cash back on purchases including Sam's Club. A reliable flat-rate option when category bonuses do not apply.
Why #8: Earns 2% cash back on purchases including Sam's Club. A reliable flat-rate option when category bonuses do not apply.
Frequently Asked Questions
What is the best credit card to use at Sam's Club?
The top listed card at Sam's Club right now is the Robinhood Gold Card, showing up to 3% cash back. 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.
Does any credit card offer more than 2% at Sam's Club?
Yes — the Robinhood Gold Card at 3%, the Alliant Cashback Visa® Signature Card at 2.5% all earn above 2% at Sam's Club.
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Search All Stores →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.