Sam's Club Rewards Guide

11 data points

Top 5 Credit Cards by Earning Rate at Sam's Club

DiscoverDiscover it Cash Back
5% cash backWith Bonus Earning
BancorpPayPal Debit Card
5% cash backWith Bonus Earning
U.S. BankShopper Cash Rewards Visa Signature
3% cash backWith Bonus Earning
Bank of AmericaCustomized Cash Rewards
3% cash backWith Bonus Earning
U.S. BankAltitude Reserve Visa Infinite
3X pointsWith Bonus Earning
Wholesale

Date

2026-01-31

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Wholesale clubs

Date

2026-01-21

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Additional Notes

Listed - https://www.usbank.com/credit-cards/shopper-cash-rewards-visa-signature-credit-card.htmlRead more
Wholesale Clubs

Date

2025-11-07

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

50 USD1X

Rewards

50 Ultimate Rewards Points

Additional Notes

Excluded from Chase department store category — earns 1 point instead of the Q4 5% department store bonus.Read more
Groceries

Date

2025-10-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🌐

Online Purchase

https://www.samsclub.com

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1nfemzd/paypal_debits_groceries_category_seems_to_be_very/ni3rcar/Read more
Groceries

Date

2025-10-07fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1nfemzd/paypal_debits_groceries_category_seems_to_be_very/ni3rcar/Read more
Wholesale

Date

2025-09-20

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1% Cash Back

Rewards

1000 Shop Your Way Points

Online Shopping

Bank & Card

Date

2025-09-12

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3% Cash Back (With Bonus Earning)

Rewards

3 USD

Additional Notes

Paid through Sams Scan & Go

Wholesale

Date

2025-09-12

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

50 USD2% Cash Back

Rewards

1 USD

Warehouse Clubs

Date

2025-08-01

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD1X

Rewards

100 Ultimate Rewards Points

Groceries

Date

2025-07-21fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD5% Cash Back (With Bonus Earning)

Rewards

5 USD

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1m5h353/recommendations_for_ccs_to_use_at_costco_and_sams/n4dwkrv/ - PayPal Debit Card gives 5% for it as "groceries".Read more
General

Date

2025-07-21fromRedditReddit↗

Giftcard Purchased

No

Purchase Type

🛒

In-Store Purchase

Reward Details

Amount

Earning Rate

100 USD3X (With Bonus Earning)

Rewards

300 Altitude Points

Additional Notes

Confirmed in Reddit - https://www.reddit.com/r/CreditCards/comments/1m5h353/recommendations_for_ccs_to_use_at_costco_and_sams/n4cla8z/ - USBAR with Apple Pay gives 3x points.Read more

Quick Rewards Guide for Sam's Club

💡 Top Performing Card: The community-verified best credit card for Sam's Club purchases is the Discover Discover it Cash Back. Transactions on this card consistently earn 5% cash back (With Bonus Earning) by coding in the "Wholesale" category.

🔍 Merchant Category Coding (MCC): Sam's Club transactions most frequently code as "Wholesale" (or sometimes "wholesale clubs / Wholesale Clubs / Groceries / Online Shopping / Warehouse Clubs / General"). Ensure your chosen card offers high multiplier rewards for this category to maximize your cash back or travel points.

💳 Maximize Online & App Bookings: For online or mobile app purchases at Sam's Club, checkout options like PayPal, Apple Pay, or purchasing digital gift cards can sometimes trigger alternative bonus categories (like 5% quarterly rotating categories) that outperform standard card multipliers.

Frequently Asked Questions

Q:What category does Sam's Club code as on credit cards?

Based on community data points, Sam's Club transactions primarily code under the "Wholesale" category. However, coding can vary depending on whether the purchase is made online, through a third-party gateway, or via an app.

Q:Which credit card is best to use at Sam's Club?

The Discover Discover it Cash Back is highly recommended, as it has been verified to earn 5% cash back (With Bonus Earning) on Sam's Club. Any card offering 3% or more cash back (or 3x points) on "Wholesale" purchases will also deliver excellent value.

Q:Does Sam's Club code differently depending on the card network?

Yes, Visa, Mastercard, American Express, and Discover maintain separate merchant category databases. While Sam's Club usually codes as "Wholesale" consistently, international purchases or transactions paid through digital wallets may experience slight category variations.