1
Best overall
Robinhood Gold Card
3% cash back on everything — requires an active Robinhood Gold subscriptionCash BackRobinhood Gold req.
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
2.2%
Avg with-fee back
3%
Best rate available
$495
Avg with-fee cost/yr
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 right2
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
Card type
Card network
4 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
1x everything else
- 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
#4
AAA Daily Advantage Visa Signature
No FeeCash Back
3% Wholesale Clubs (incl. Costco)
- 5% Grocery Stores
- 3% Gas Stations & EV Charging
- 3% Wholesale Clubs (incl. Costco)
- 3% Streaming Services
- 3% Pharmacies
- 3% AAA Purchases
- 1% All Other Purchases
Click to see redemption options
$100 statement credit after spending $1,000 in the first 90 days.
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) are shown at 5x only during a quarter that category is actually active — checked against Chase and Discover's published quarterly calendars. Terms and reward rates are subject to change at each issuer's discretion.
Credit card names, trademarks, and brand assets referenced on this page are the property of their respective issuers. He’s Got a Point is not affiliated with, endorsed by, or sponsored by any card issuer.