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
No cards match these filters
No cards match these filters for Best Credit Cards for Wholesale Clubs.
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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.
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