10 Best Credit Cards for Sam's Club of October 2026
Top picks for Sam's Club from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Sam's Club, after spend caps. Order can differ from that column because ranking adds the adjustments above.
Bilt Obsidian Card earns the top spot for Sam's Club purchases at 4.0¢ per dollar on grocery stores — a $95 annual fee. We ranked every card in our database against Sam's Club purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Store card
Sam's Club's co-branded card — shown here because it is not in the ranked list above.
Bilt Obsidian Card
Cardless
- +3x on Supermarkets — points worth 2.0¢ each. 3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year.
- +Annual fee $95. Other listed credits: $100 of Bilt Travel Hotel credit (up to $100). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
- +$200 in rewards bonus (~$200 value)
American Express Gold Card
American Express
- +4x on Supermarkets — points worth 1.5¢ each
- +Annual fee $325. Other listed credits: $120 Dining Credit (up to $10/mo); $84 Dunkin' Credit (up to $7/mo); $100 Resy Credit (up to $50/6mo); $120 Uber Cash (up to $10/mo). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
Citi Strata Credit Card
Citi
- +3x on Supermarkets — points worth 1.6¢ each
- +20,000 points bonus (~$320 value)
- +No annual fee
Why Bilt Obsidian Card wins for Sam's Club
Bilt Obsidian Card earns 4.0¢ per dollar on grocery stores when you shop at Sam's Club, the highest marginal rate in our list for this brand. At 4.0¢ per dollar, rewards cover the $95 fee after about $2,380 a year in Sam's Club spending. To come out ahead of Citi Strata Credit Card (3.2¢), you'd need about $11,880 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Grocery Stores Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 4.0¢/$ | $95 | — | mastercard |
| American Express Gold CardAmerican Express | 4x Membership Rewards | 3.8¢/$ | $325 | — | amex |
| Citi Strata Credit CardCiti | 3x ThankYou Points | 3.2¢/$ | $0 | — | mastercard |
| Blue Cash Preferred Card from American ExpressAmerican Express | 6% cash back | 3.5¢/$ | $95 | — | amex |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.0¢/$ | $495 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 2.5¢/$ | $0 | — | visa |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles | 2.6¢/$ | $95 | — | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.2¢/$ | $95 | — | mastercard |
| IHG One Rewards Premier Credit CardChase | 5x IHG One Rewards | 2.4¢/$ | $150 | — | mastercard |
| One Key+ CardWells Fargo | 3% cash back | 2.5¢/$ | $99 | — | mastercard |
More Options
How to maximize value at Sam's Club
- Use Bilt Obsidian Card for Sam's Club purchases — it earns 4.0¢ per dollar on grocery stores at Sam's Club in our scoring.
- Shopping portals sometimes offer extra rewards at Sam's Club; check current portal rates before you buy.
- Pair Bilt Obsidian Card with American Express Gold Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major Sam's Club purchase around your card's welcome offer window — Bilt Obsidian Card's sign-up bonus is worth roughly $200 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Similar Brands
Other brands in Food, Beverages & Tobacco where the top picks above also earn well.
Other categories Sam's Club sits in
Frequently asked
- What credit card earns the most at Sam's Club?
- Bilt Obsidian Card ranks #1 for Sam's Club in our list at 4.0¢ per dollar on grocery stores (including Sam's Club) — $95 annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Does Sam's Club have a co-branded credit card?
- Yes — Sam's Club Mastercard is Sam's Club's co-branded card. See our Sam's Club Mastercard page for earn rates and fees.
- Can I stack a shopping portal with my credit card at Sam's Club?
- Shopping portals sometimes offer extra rewards at Sam's Club; check current portal rates before you buy.
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