1
Best no-fee pick
Chase Freedom Flex
5x when wholesale clubs are the active quarterUltimate Rewards
Best Credit Cards for Wholesale Clubs
Best cards for Sam's Club, BJ's, and other wholesale clubs — excluding Costco (see the Costco page).
Sam's Club, BJ's & similar — accept Visa, Mastercard, AmEx & Discover. Sam's Club added Apple Pay in Aug 2026
Does your Sam's Club take Apple Pay yet?
The short answer
Top picks — no annual fee
Keep forever · $0/yrTop picks — with annual fee
Pays for itself if used right1
Best overall
Robinhood Gold Card
3% cash back on everything — requires an active Robinhood Gold subscriptionCash BackRobinhood Gold req.
2
Best value
Capital One Venture X
2x on everythingCapital One Miles$395/yr
3
Also good
Citi Strata Elite
1.5x on everything + strong protectionsThankYou Points$595/yr
Honorable mentions
Annual fee
Reward type
3 cards
#1
Chase Freedom Flex
No FeeCash Back
5x Rotating categories (up to $1,500/qtr)
- 5x Travel via Chase
- 5x Rotating categories (up to $1,500/qtr)
- 3x Dining
- 3x Drugstores
- 1x everything else
Click to see redemption options
$200 after $500 in 3 months
#2
Citi Custom Cash
No FeeCash Back
5x on top spend category (up to $500/mo)
- 5x on top spend category (up to $500/mo)
- 1x everything else
Click to see redemption options
$200 after $1,500 in 3 months
#3
Discover It Cash Back
No FeeCash Back
5x Rotating categories (up to $1,500/qtr)
- 5x Rotating categories (up to $1,500/qtr)
- 1x everything else
Click to see redemption options
Cashback Match at end of year 1
No dedicated card earning more here? Use your best catch-all card.
Best catch-all cards →Not sure which one fits you?
Our free quiz matches you to the right card based on your actual spending, credit score, and goals — in about 2 minutes.
Take the quiz →Cards listed here are selected from our database based on category earn rates — not sponsored placements. Rotating-category cards (Discover It, Chase Freedom Flex) assume the relevant category is active. Terms and reward rates are subject to change at each issuer's discretion.