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Best Credit Cards for Sam's Club

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

CardRewards.ai helps you find the best credit card for your spending with data-driven recommendations, side-by-side comparisons, and expert analysis.

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.

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Best Credit Cards for Sam's Club

Ranked by real value with filters for fees, issuers, rewards, and transfer programs.

Resolved as:Grocery Stores+1 moreCached
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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

NHL® Discover It®
1

NHL® Discover It®

Discover

5% cash back on Grocery Stores

Why this card

  1. 1.5% cash back on Supermarkets ($300/yr on $6,000 spend)

No annual fee

DISCOVERCore Rate
5.0¢
per dollar on grocery stores
No annual fee
Annual rewards$300
Net annual value$300

Bonus rate on first $1,500/quarterly, then base rate

2

Bilt Palladium Card

Cardless

2x Bilt Rewards on Grocery Stores
2x × 2.2¢/pt = 4.4¢ per dollar

Why this card

  1. 1.$100/yr $200 of Bilt Cash

$200 in credits offset the $495 fee

MASTERCARD
4.4¢
per dollar on grocery stores
$495/yr($200 in credits)
Annual rewards$264.00
+ Credits$200
− Annual fee$495
Net annual value-$31.00
Bilt Obsidian Card
3

Bilt Obsidian Card

Cardless

3x Bilt Rewards on Grocery Stores
3x × 2.2¢/pt = 6.6¢ per dollar

Why this card

  1. 1.3x on Supermarkets — points worth 2.2¢ each ($264/yr on $6,000 spend)
  2. 2.$30/yr Instacart+ Savings

$20 in credits offset the $95 fee

MASTERCARDCore Rate
4.4¢
per dollar on grocery stores
$95/yr($20 in credits)
Annual rewards$264
+ Credits$20
− Annual fee$95
Net annual value$189

Bonus rate on first $25,000/annual, then base rate

American Express Gold Card
4

American Express Gold Card

Amex

4x Membership Rewards on Grocery Stores
4x × 1.5¢/pt = 6.0¢ per dollar

Why this card

  1. 1.4x on Supermarkets — points worth 1.5¢ each ($225/yr on $6,000 spend)

$212 in credits offset the $325 fee

AMEXCore Rate
3.8¢
per dollar on grocery stores
$325/yr($212 in credits)
Annual rewards$225
+ Credits$212
− Annual fee$325
Net annual value$112

Bonus rate on first $25,000/annual, then base rate

Chase Sapphire Preferred Card
5

Chase Sapphire Preferred Card

Chase

3x Ultimate Rewards on Grocery Stores
3x × 1.8¢/pt = 5.4¢ per dollar

Why this card

  1. 1.3x on Supermarkets — points worth 1.8¢ each ($216.00/yr on $6,000 spend)

$92 in credits offset the $95 fee

VISACore Rate
3.6¢
per dollar on grocery stores
$95/yr($92 in credits)
Annual rewards$216.00
+ Credits$92
− Annual fee$95
Net annual value$213
6

Capital One Venture X Rewards Credit Card

Capital One

2x Venture Miles on Grocery Stores
2x × 1.9¢/pt = 3.7¢ per dollar

Why this card

    $315 in credits offset the $395 fee

    VISA
    3.7¢
    per dollar on grocery stores
    $395/yr($315 in credits)
    Annual rewards$222
    + Credits$315
    − Annual fee$395
    Net annual value$142
    Citi Strata Credit Card
    7

    Citi Strata Credit Card

    Citi

    3x ThankYou Points on Grocery Stores
    3x × 1.6¢/pt = 4.8¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 1.6¢ each ($192/yr on $6,000 spend)

    No annual fee

    MASTERCARDCore Rate
    3.2¢
    per dollar on grocery stores
    No annual fee($150 in credits)
    Annual rewards$192
    + Credits$150
    Net annual value$342
    Blue Cash Preferred Card from American Express
    8

    Blue Cash Preferred Card from American Express

    Amex

    6% cash back on Grocery Stores

    Why this card

    1. 1.6% cash back on Supermarkets ($180/yr on $6,000 spend)
    2. 2.Amex Offers

    $84 in credits offset the $95 fee

    AMEXCore Rate
    3.0¢
    per dollar on grocery stores
    $95/yr (Y1 waived)($84 in credits)
    Annual rewards$180
    + Credits$84
    − Annual fee$95
    Net annual value$169

    Bonus rate on first $6,000/annual, then base rate

    Citi Strata Premier Card
    9

    Citi Strata Premier Card

    Citi

    3x ThankYou Points on Grocery Stores
    3x × 1.6¢/pt = 4.8¢ per dollar

    Why this card

    1. 1.3x on Supermarkets — points worth 1.6¢ each ($192/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings

    $50 in credits offset the $95 fee

    MASTERCARDCore Rate
    3.2¢
    per dollar on grocery stores
    $95/yr($50 in credits)
    Annual rewards$192
    + Credits$50
    − Annual fee$95
    Net annual value$147
    10

    Verizon Visa Card

    Synchrony

    4% cash back on Grocery Stores

    Why this card

    1. 1.4% cash back on Supermarkets ($150/yr on $6,000 spend)

    No annual fee

    VISACore Rate
    2.5¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$150
    Net annual value$150
    Citi Strata Elite℠ Card
    11

    Citi Strata Elite℠ Card

    Citi

    1.5x ThankYou Points on Grocery Stores
    1.5x × 1.6¢/pt = 2.4¢ per dollar

    Why this card

    1. 1.$30/yr Instacart+ Savings

    $762.50 in credits fully offsets the $595 fee

    MASTERCARD
    2.4¢
    per dollar on grocery stores
    $595/yr($762.50 in credits)
    Annual rewards$144
    + Credits$762.50
    − Annual fee$595
    Net annual value$311.50
    Rakuten American Express Card
    12

    Rakuten American Express Card

    First Electronic Bank

    2% cash back on Grocery Stores

    Convertible Cash Back — 2.0–4.0¢/$

    This card's 2% cash back can be redeemed as cash (2.0¢/$) or converted to Amex Membership Rewards (4.0¢/$) or Bilt Rewards (3.4¢/$).

    Why this card

    1. 1.2% cash back on Supermarkets ($141/yr on $6,000 spend)
    2. 2.Cash back converts at 1.6¢ avg — 1.6× cash value

    No annual fee

    AMEXConvertibleCore Rate
    2.0–4.0¢
    per dollar on grocery stores
    depending on redemption
    No annual fee
    Annual rewards$141
    Net annual value$141
    13

    SoFi Smart Card

    Sofi

    5x points on Grocery Stores

    Why this card

    1. 1.5x on Supermarkets ($150/yr on $6,000 spend)

    No annual fee

    MASTERCARDCore Rate
    2.5¢
    per dollar on grocery stores
    No annual fee
    Annual rewards$150
    Net annual value$150
    14

    One Key+ Card

    Wells Fargo

    3% cash back on Grocery Stores

    Why this card

    1. 1.3% cash back on Supermarkets ($150/yr on $6,000 spend)
    2. 2.$30/yr Instacart+ Savings
    MASTERCARDCore Rate
    2.5¢
    per dollar on grocery stores
    $99/yr
    Annual rewards$150
    − Annual fee$99
    Net annual value$51
    Capital One VentureOne Rewards Credit Card
    15

    Capital One VentureOne Rewards Credit Card

    Capital One

    1.25x Venture Miles on Grocery Stores
    1.25x × 1.9¢/pt = 2.3¢ per dollar

    Why this card

      No annual fee

      MASTERCARD
      2.3¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$138.75
      Net annual value$138.75
      Wells Fargo Active Cash Card
      16

      Wells Fargo Active Cash Card

      Wells Fargo

      2% cash back on Grocery Stores
      Up to 3.2¢/$ (1.6¢/pt)via Choice Privileges

      Why this card

      1. 1.My Wells Fargo Deals
      2. 2.Up to 1.6¢/pt via Choice Privileges

      No annual fee

      VISA
      2.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$120
      Net annual value$120
      17

      The Platinum Card from American Express

      Amex

      1x Membership Rewards on Grocery Stores
      1x × 1.5¢/pt = 1.5¢ per dollar

      Why this card

      1. 1.$150/yr Lululemon Credit
      2. 2.$78/yr Walmart+ Membership Credit
      3. 3.$20/yr Saks Fifth Avenue Credit
      4. 4.Amex Offers

      $1,149.50 in credits fully offsets the $895 fee

      AMEX
      1.5¢
      per dollar on grocery stores
      $895/yr($1,149.50 in credits)
      Annual rewards$90
      + Credits$1,149.50
      − Annual fee$895
      Net annual value$344.50
      Williams Sonoma Key Rewards Visa
      18

      Williams Sonoma Key Rewards Visa

      Capital One

      4x points on Grocery Stores

      Why this card

      1. 1.4x on Supermarkets ($120/yr on $6,000 spend)
      2. 2.Free standard shipping

      No annual fee

      VISACore Rate
      2.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$120
      Net annual value$120
      Aeroplan® Card
      19

      Aeroplan® Card

      Chase

      3x Aeroplan on Grocery Stores
      3x × 1.0¢/pt = 3.0¢ per dollar

      Why this card

      1. 1.3x on Supermarkets — points worth 1.0¢ each ($120/yr on $6,000 spend)
      2. 2.$30/yr Instacart+ Savings

      $15 in credits offset the $195 fee

      MASTERCARDCore Rate
      2.0¢
      per dollar on grocery stores
      $195/yr($15 in credits)
      Annual rewards$120
      + Credits$15
      − Annual fee$195
      Net annual value-$60
      20

      Capital One SavorOne Student Cash Rewards Credit Card

      Capital One

      3% cash back on Grocery Stores

      Why this card

      1. 1.3% cash back on Supermarkets ($120/yr on $6,000 spend)

      No annual fee

      MASTERCARDCore Rate
      2.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$120
      Net annual value$120
      21

      TD Cash Credit Card

      Td Bank

      3% cash back on Grocery Stores

      Why this card

      1. 1.3% cash back on Supermarkets ($120/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      2.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$120
      Net annual value$120
      22

      Navy Federal More Rewards American Express®

      Navy Federal

      3x points on Grocery Stores

      Why this card

      1. 1.3x on Supermarkets ($120/yr on $6,000 spend)

      No annual fee

      AMEXCore Rate
      2.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$120
      Net annual value$120
      Bank of America Customized Cash Rewards Credit Card
      23

      Bank of America Customized Cash Rewards Credit Card

      Bank Of America

      2% cash back on Grocery Stores

      Why this card

      1. 1.2% cash back on Supermarkets ($120/yr on $6,000 spend)

      No annual fee

      VISACore Rate
      2.0¢
      per dollar on grocery stores
      No annual fee
      Annual rewards$120
      Net annual value$120

      Bonus rate on first $2,500/quarterly, then base rate

      24

      SoFi Credit Card

      Sofi

      2% cash back on Grocery Stores

      Why this card

        No annual fee

        MASTERCARD
        2.0¢
        per dollar on grocery stores
        No annual fee
        Annual rewards$120
        Net annual value$120
        U.S. Bank Smartly Visa Signature Card
        25

        U.S. Bank Smartly Visa Signature Card

        Usbank

        2% cash back on Grocery Stores

        Why this card

          No annual fee

          VISA
          2.0¢
          per dollar on grocery stores
          No annual fee
          Annual rewards$120
          Net annual value$120
          Fidelity Rewards Visa Signature Card
          26

          Fidelity Rewards Visa Signature Card

          Elan Financial

          2% cash back on Grocery Stores

          Why this card

            No annual fee

            VISA
            2.0¢
            per dollar on grocery stores
            No annual fee
            Annual rewards$120
            Net annual value$120
            Choice Privileges Select Mastercard
            27

            Choice Privileges Select Mastercard

            Wells Fargo

            5x Choice Privileges on Grocery Stores
            5x × 0.8¢/pt = 4.0¢ per dollar

            Why this card

            1. 1.5x on Supermarkets — points worth 0.8¢ each ($144/yr on $6,000 spend)
            2. 2.$30/yr Instacart+ Savings

            $15 in credits offset the $95 fee

            MASTERCARDCore Rate
            2.4¢
            per dollar on grocery stores
            $95/yr($15 in credits)
            Annual rewards$144
            + Credits$15
            − Annual fee$95
            Net annual value$64
            DoorDash Rewards Mastercard®
            28

            DoorDash Rewards Mastercard®

            Chase

            2% cash back on Grocery Stores

            Why this card

            1. 1.2% cash back on Supermarkets ($90/yr on $6,000 spend)
            2. 2.$153/yr 10% Monthly Grocery Discount

            No annual fee

            MASTERCARDCore Rate
            1.5¢
            per dollar on grocery stores
            No annual fee($96 in credits)
            Annual rewards$90
            + Credits$96
            Net annual value$186
            Marriott Bonvoy Bountiful Credit Card
            29

            Marriott Bonvoy Bountiful Credit Card

            Chase

            4x Marriott Bonvoy on Grocery Stores
            4x × 0.7¢/pt = 2.8¢ per dollar

            Why this card

            1. 1.4x on Supermarkets — points worth 0.7¢ each ($126/yr on $6,000 spend)

            $93 in credits offset the $250 fee

            VISACore Rate
            2.1¢
            per dollar on grocery stores
            $250/yr($93 in credits)
            Annual rewards$126
            + Credits$93
            − Annual fee$250
            Net annual value-$31

            Bonus rate on first $15,000/annual, then base rate

            Chase Sapphire Reserve
            30

            Chase Sapphire Reserve

            Chase

            1x Ultimate Rewards on Grocery Stores
            1x × 1.8¢/pt = 1.8¢ per dollar

            Why this card

              $855 in credits fully offsets the $795 fee

              VISA
              1.8¢
              per dollar on grocery stores
              $795/yr($855 in credits)
              Annual rewards$108
              + Credits$855
              − Annual fee$795
              Net annual value$168