Best wholesale club credit card for groceries, 2023.

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Best Wholesale Club Credit Card:

Sam’s Club Mastercard

 

HIGHLIGHTS

  • Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).*
  • Earn 3% back in Sam’s Cash on dining and takeout.*
  • Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*
  • Earn 1% back in Sam’s Cash on other purchases.*

Why we chose it: The Sam’s Club Mastercard® offers higher cash back than its wholesale competitors both in the store and out.

 

As far as wholesale clubs go, this credit card from Sam’s goes further than its competition, offering high cash back in a variety of categories:

  • 5% back on gas and EV stations up to the first $6,000, 1% thereafter
  • 3% on dining
  • 3% back for Plus members on Sam’s Club purchases (1% for Club members)
  • 1% on other qualifying purchases

Wholesale clubs are typically excluded from grocery-related rewards on most credit cards so, if you do most of your shopping in bulk, it’s a good idea to consider a card issued by one of the stores itself. Of these,­ the Sam’s Club® Mastercard® offers the most rewards — 5% on gas, the highest among all cards we’ve reviewed, and up to 3% on Sam’s Club purchases. (That’s 1% for regular members and 3% for Plus members.)

 

Unfortunately, the card doesn’t offer any insurance policies or travel-related perks. But when it comes to buying groceries in bulk, it might be the best possible card.

 

All information about the Sam’s Club® Mastercard® has been collected independently by Money.com.

 

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Discover the Sam’s Club credit card benefits.

Earn 5% back in Sam’s Cash™ on gas anywhere Mastercard is accepted* (on first $6,000 per year, then 1%).

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members* (Club members earn 1%).

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Earn 3% back in Sam’s Cash on dining and takeout.*

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Earn 1% back in Sam’s Cash on other purchases.*

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Accepted at Sam’s Club and Walmart® nationwide.

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

No annual fee.†

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Doubles as your membership card.

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Accepted worldwide wherever Mastercard is accepted.

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Zero foreign transaction fees.†

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

See if you prequalify for a Sam’s Club Mastercard® or a Sam’s Club Credit Card.

Get a decision in seconds with no impact to your credit score.
Sam’s Club Mastercard® benefits.

 

 

You can earn Sam’s Cash on 
the following categories.*

 

 

  • 5% back in
Sam’s Cash on 
gas anywhere Mastercard is accepted* (on first $6,000 per year, then 1%).
  • 3% back in
Sam’s Cash on 
Sam’s Club purchases for Plus members* (Club members earn 1%).
  • 3% back in
Sam’s Cash on dining and takeout.*
  • 1% back in
Sam’s Cash on other purchases.*
  • No annual fee.†
  • Also accepted at Walmart® nationwide and online.
  • Doubles as your membership card.
Sam’s Club Credit Card benefits.

 

 

Sam’s Cash is not earned, but
has these benefits available.

 

  • No annual fee.†
  • Also accepted at Walmart® nationwide and online.
  • Doubles as your membership card.

When you see if you prequalify, you will first be considered for the Sam’s Club Mastercard®. If you do not prequalify for the Sam’s Club Mastercard®, you will then be considered for a Sam’s Club Credit Card.

Prequalify Now
Shop SamsClub.com

Use your Sam’s Club Mastercard to make purchases and watch your Sam’s Cash add up.*

Shop Now
Learn about Sam’s Cash.

Earn while you shop and spend your Sam’s Cash how you like.

Learn More
Not a Sam’s Club member yet?

Join today for premium quality, amazing perks and members-only prices.

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*Subject to credit approval. See the “How to Earn Sam’s Cash with your Sam’s Club Mastercard” reward program terms for details.

 

†For new accounts: Variable Purchase APR is 20.40% or 28.40% Minimum interest charge is $2.00 for both cards. All APRs are accurate as of October 1, 2024 and will vary with the market based on the Prime Rate (as defined in your credit agreement).

 

The Sam’s Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, World Elite Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.