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Best Cards to Use at Sam’s Club in 2017

Best Cards to Use at Sam’s Club in 2017

Million Mile SecretsBest Cards to Use at Sam’s Club in 2017Million Mile Secrets Team

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Folks who shop at Sam’s Club can choose from several terrific credit cards to earn miles or cash back on purchases.

Some cards include warehouse clubs, like Sam’s Club, as a bonus category.  So it’s possible to earn bonus cash back on purchases you were already planning!

Best Credit Cards To Use At Sams Club
You Can Earn Lots of Miles or Cash Back at Sam’s Club With Certain Credit Cards

I’ll share the best credit cards to use at Sam’s Club, including several with no annual fee.

Best Credit Cards to Use at Sam’s Club

The best card to use at Sam’s Club might depend on your recent applications.

For example, if you recently got a new card and are working to meet minimum spending requirements, I’d recommend using that card until you earn the sign-up bonus.

But after that, here are 5 excellent cards to use to earn rewards!

1.   Discover it

Link:   Discover it

Link:   Discover it Cash Back Calendar

Folks can do well at Sam’s Club with the no annual fee Discover it card when wholesale clubs are included in card’s 5% cash back rotating quarterly bonus categories.

For example, wholesale clubs are included in the 5X categories through June 30, 2017.  We’ll have to see if it stays on after!

With the 5X bonus categories, you can earn $75 cash back on up to $1,500 in purchases each quarter after you activate the bonus.

Best Credit Cards To Use At Sams Club
Earn 5% Cash Back on up to $1,500 in Purchases at Wholesale Clubs With the Discover it Card through June 30, 2017

And for new cardmembers, Discover will match the cash back you’ve earned at the end of your first 12 billing cycles.  So any purchases you made in the 5% bonus categories will get you 10% cash back!

2.   Bank of America Cash Rewards

Link:   BankAmericard Cash Rewards Visa

Link:   MLB™ BankAmericard Cash Rewards™ MasterCard®

There are 2 no annual fee Bank of America cash back cards which include wholesale clubs as a bonus category.

With the BankAmericard Cash Rewards Visa and MLB BankAmericard Cash Rewards card, you can earn 2% cash back at wholesale clubs on up to $2,500 in spending each quarter.

You’ll also get a 10% bonus if you deposit your cash back into a Bank of America checking or savings account!

For example, when you redeem $50 cash back, you’ll get $55 in your bank account.

3.   AMEX Starwood Cards

Link:   Starwood Preferred Guest® Credit Card from American Express

Link:   Starwood Preferred Guest® Business Credit Card from American Express

With the AMEX Starwood card, you’ll earn 1 point per $1 spent at Sam’s Club.

But for every 20,000 Starwood points you transfer to airline partners (with a 1:1 transfer ratio), you’ll earn 5,000 bonus miles.

That means every $1 spent on the AMEX Starwood cards is worth up to 1.25 airline miles!

Best Credit Cards To Use At Sams Club
You’ll Earn 25% More Delta Miles When You Transfer 20,000 Starwood Points! This Is a Great Reason to Use Your AMEX Starwood Card for Purchases at Sam’s Club

There are also many other excellent ways to redeem Starwood points for Big Travel, like Disney World packages.

Plus, AMEX Starwood cards give you access to AMEX Offers.  In the past, there have been deals at Sam’s Club, like 20% back on purchases of $100+.

So not only can you earn valuable Starwood points, but you might also save money on your purchases!

4.   Citi Double Cash

Link:   Citi Double Cash Card

You can earn up to 2% cash back at Sam’s Club with the no annual fee Citi Double Cash card.

You’ll earn 1% cash back on every purchase, and another 1% cash back when you make payments, as long you meet the minimum payment on your monthly statement.

Best Credit Cards To Use At Sams Club
Earn up to 2% Cash Back With the Citi Double Cash Card

You can redeem cash back rewards for a mailed check, a statement credit, or for gift cards, when you reach $25 in rewards.

Here’s my full review of the card.

5.   Chase Freedom Unlimited

Link:   Chase Freedom Unlimited

Link:   My Review of the Chase Freedom Unlimited

With the Chase Freedom Unlimited, you’ll earn 1.5X Chase Ultimate Rewards points (1.5% cash back) per $1 you spend on all purchases with NO limit.

Best Credit Cards To Use At Sams Club
Combine Chase Ultimate Rewards Points You Earn on the Freedom Unlimited With Other Eligible Chase Cards to Get Big Travel at Hyatt

And you can combine points and transfer them to airline and hotel partners if you also have the Chase Sapphire PreferredSapphire ReserveInk Business Preferred, Ink Plus (no longer available) or Ink Bold (no longer available).

Chase Ultimate Rewards points are my favorite type of flexible rewards.  Because you can get Big Travel when you transfer points to partners like Hyatt!

Here’s my review of the Chase Freedom Unlimited.

Use These Cards for Purchase Protection on Big Purchases

Link:   Are You Making the Most of Your American Express Benefits? 

Link:   Will You Get Better Purchase Benefits With the Chase Sapphire Preferred or AMEX?

Sam’s Club sells a lot of big-ticket items like appliances, computers, furniture, and televisions.

If you’re purchasing an expensive item, you might want to give up earning bonus cash back or extra miles and use a card that provides extended warranty benefits.

Best Credit Cards To Use At Sams Club
Purchasing a Microwave at Sam’s Club? You’ll Get Extended Warranty Benefits If You Pay With Certain Cards

For example, you can get 1 extra year added to a warranty of 5 years or less on eligible purchases when you pay with these cards:

This benefit can get you a refund up to the amount charged to your card, with a maximum of $10,000, and no more than $50,000 per calendar year.  Check here for the complete AMEX extended warranty terms & conditions.

Or consider using a card like:

When you pay with 1 of these cards, you’ll get 1 extra year added to a warranty of 3 years or less.  Similar to AMEX, you’ll get a refund up to the amount charged to your card less shipping and handling fees, with a maximum of $10,000, and no more than $50,000 per calendar year.

Bottom Line

There are lots of terrific credit cards to use at Sam’s Club to earn miles, points, or cash back.

For example, earn 5% cash back at Sam’s Club with the no annual fee Discover it when wholesale clubs are included in rotating quarterly bonus categories.

Or use the AMEX Starwood card to earn valuable Starwood points, which you can transfer to airline partners.

But if you’re purchasing a big-ticket item like a a new television or computer, you might want to use a card like the AMEX Premier Rewards Gold.  Because you’ll get extended warranty benefits.

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Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I have a business account at Sam’s. What non Amex business cards have the best return for the grocery category? Thanks.

Costco only takes Visa in the club, but I used Discover to buy $1500 worth of Costco cash cards on Costco.com. It triggered the 5% bonus. AmEx is the only card that this trick doesn’t work for.

article states that you can use visa ONLY online. this is incorrect, used my Freedom last night.

You’re correct, Gary. The post has been updated. Thanks for pointing that out!