Are you a Sam's Club shopper looking for credit cards that offer exclusive perks and rewards for your favorite store? Look no further! In this comprehensive guide, we will walk you through the best credit cards for Sam's Club members and help you maximize your savings while enjoying the many benefits these cards have to offer.
Credit Cards For Sam's Club Table of Contents
The Top Credit Cards for Sam's Club Shoppers
We have compiled a list of the top credit cards that can help you save money at Sam's Club. Each card has its unique benefits, so make sure to choose the one that suits your shopping habits and financial goals.
1. Sam's Club Mastercard
The Sam's Club Mastercard is the obvious choice for Sam's Club members who want to reap all the benefits of their membership. Here are some of the key features of this card:
- Earn 5% cashback on gas purchases (on the first $6,000 spent per year), 3% cashback on dining and travel, and 1% cashback on all other purchases.
- No annual fee.
- Fraud protection and zero liability for unauthorized purchases.
However, this card is available only for Sam's Club members, and the cashback rewards can only be redeemed at Sam's Club.
2. Capital One Venture Rewards Card
If you love traveling and want to earn rewards for your Sam's Club shopping spree, the Capital One Venture Rewards Card might be the perfect fit. Key features include:
- Earn 2 miles per dollar on every purchase, with no limits.
- No foreign transaction fees.
- Use your miles to book travel with any airline or hotel, or redeem them for cashback, gift cards, and more.
Keep in mind that this card comes with a $95 annual fee.
3. Discover it Cashback Match
The Discover it Cashback Match is an excellent option for those who want to maximize cashback rewards on everyday items. Here's what you get:
- 5% cashback on rotating categories every quarter, including wholesale clubs like Sam's Club (up to $1,500 in combined purchases).
- 1% cashback on all other purchases.
- No annual fee.
- Cashback match at the end of your first year, effectively doubling your rewards.
Check the Discover calendar to see if Sam's Club is included in the rotating categories before signing up.
Credit Cards For Sam's Club Example:
Suppose you're a frequent Sam's Club shopper who spends $3,000 annually on groceries, $1,500 on gas, and $1,000 on dining. Here's a breakdown of how much you could save with the Sam's Club Mastercard and Discover it Cashback Match:
- Sam's Club Mastercard: 1% cashback on groceries = $30, 5% cashback on gas = $75, 3% cashback on dining = $30. Total cashback = $135.
- Discover it Cashback Match: Assume Sam’s Club is included in the rotating category for one quarter, and you spend the maximum limit of $1,500 within that quarter. 5% cashback on Sam's Club purchases = $75, plus all other purchases combined, like dining and one year cashback match, give an estimated total cashback of $150.
While both cards offer attractive rewards, choosing between them depends on your lifestyle and spending habits. Remember to consider all aspects, such as annual fees, reward redemption limitations, and your willingness to manage rotating categories.
Becoming a savvy Sam's Club shopper requires thoughtful planning and a strategic choice of credit cards that help you earn fantastic rewards. We hope this guide provided you with valuable insights into the best credit cards for Sam's Club members. Time to apply for your perfect credit card and enjoy the perks!
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