What Credit Cards Does Sam’s Club Accept? (Update 2025)

What Credit Cards Does Sam’s Club Accept? ​Sam’s Club accepts all major credit cards, including Visa, MasterCard, Discover, and American Express.

Sam’s Club is one of the largest and most popular membership-based warehouse clubs in the United States. With its extensive selection of goods ranging from fresh produce and household items to electronics and more, Sam’s Club makes shopping convenient for its millions of members.

Whether you’re picking up groceries for the week or shopping for a special deal on high-ticket items, understanding which credit cards are accepted can make a world of difference when you’re ready to checkout.

In this article, we’ll explore everything you need to know about the credit card options available at Sam’s Club, including which credit cards are accepted, which ones aren’t, and how to make the most out of your payment method while shopping.

Whether you’re new to Sam’s Club or a regular member, it’s important to be well-informed before you head to the checkout. Let’s dive into the details.

What Are the Major Credit Cards Sam’s Club Accepts?

One of the reasons Sam’s Club has such a vast and loyal customer base is its convenience in terms of payment. [What Credit Cards Does Sam’s Club Accept?]

When it comes to using credit cards, Sam’s Club is flexible, accepting all of the most widely used credit card brands. Here’s a breakdown of the primary credit card options that Sam’s Club accepts:

Visa

Visa is one of the most commonly used credit cards worldwide, and Sam’s Club has no problem accepting them. If you have a standard Visa credit card, you can use it to make purchases at Sam’s Club stores and online.

It’s important to remember that Visa credit cards can be used for almost all transactions within Sam’s Club, whether you’re paying for your groceries or an expensive electronic item.

Additionally, Sam’s Club accepts Visa debit cards as long as they carry the Visa logo, which means you can use your debit card just like a credit card for shopping at Sam’s Club.

If you’re someone who prefers using your debit card for day-to-day purchases, you’ll find that using a Visa-branded debit card at Sam’s Club works seamlessly, whether in-store or online.

MasterCard

MasterCard is another globally recognized credit card network, and Sam’s Club has partnered with MasterCard to ensure customers can shop with ease. Both regular MasterCard credit cards and the Sam’s Club co-branded MasterCard are accepted.

In fact, Sam’s Club offers its own co-branded MasterCard credit card that provides additional benefits to cardholders.

The Sam’s Club Mastercard allows customers to earn cashback on purchases made both inside Sam’s Club and at other retailers. [What Credit Cards Does Sam’s Club Accept?]

This can be a great way to earn rewards if you’re a frequent shopper. Just like Visa, MasterCard payments are accepted at both physical stores and online, so you can use your MasterCard for a smooth transaction no matter where you choose to shop.

Discover

If you have a Discover card, you’ll be pleased to know that Sam’s Club accepts it as well. Discover is known for offering competitive rewards programs, and the Discover card is widely accepted across the country.

Whether you’re using it in-store to purchase everyday items or shopping online for bulk products, your Discover card will be a valid payment option.

Many people appreciate Discover’s cash-back incentives and its relatively low-interest rates, making it a convenient card for those looking to earn rewards on their Sam’s Club purchases.

American Express

American Express, or Amex, is another major credit card network accepted at Sam’s Club. If you are a member of Sam’s Club and hold an American Express card, you can use it just like any other accepted credit card for your in-store or online purchases.

American Express cards are known for offering high-quality rewards and benefits, including exclusive offers and travel-related perks. [What Credit Cards Does Sam’s Club Accept?]

If you use your American Express card at Sam’s Club, you can maximize the rewards you earn while buying everything from bulk groceries to the latest tech gadgets.

American Express also boasts a range of premium cards, like the American Express Platinum Card, which can be used for both personal and business purchases at Sam’s Club. This makes American Express one of the most popular payment methods for shoppers who appreciate the flexibility of paying for products with a single, versatile credit card.

Which Credit Cards Are Not Accepted at Sam’s Club?

While Sam’s Club accepts a variety of major credit cards, there are still some that are not accepted. Understanding what is excluded from Sam’s Club’s payment methods will help you avoid frustration

when you’re at the checkout. Here’s a closer look at the credit cards that Sam’s Club does not accept:

Non-Sam’s Club-Issued MasterCards

Although Sam’s Club accepts MasterCard, there’s a specific restriction regarding certain MasterCard cards. If your MasterCard isn’t issued by Sam’s Club or is not part of a co-branded credit card program, you may run into issues at the checkout.

This is particularly relevant for those trying to use a generic MasterCard gift card or a non-Sam’s Club issued MasterCard. Sam’s Club does not accept these forms of payment, which could be a problem if you were planning on using a prepaid MasterCard card.

Gift Cards and Prepaid Cards

Sam’s Club does not accept Visa, MasterCard, American Express, or Discover gift cards as a form of payment. While these gift cards are great for making purchases at other retailers, they are not valid for transactions at Sam’s Club.

Similarly, prepaid cards from these major credit card companies are not accepted. This is a standard policy across many retailers, as these cards are considered a different type of payment method and do not operate in the same way as traditional credit cards.

If you have a gift card and were planning to use it at Sam’s Club, you will need to use another form of payment, such as cash or a major credit card.

Cash Only Cards

Sam’s Club also does not accept payment via cash-only cards or other specialized cards that aren’t tied to major payment networks. [What Credit Cards Does Sam’s Club Accept?]

For example, certain store-specific or online-only cards might not work at Sam’s Club. Make sure your card has the Visa, MasterCard, Discover, or American Express logo to ensure it will be accepted.

Can You Pay With Credit Cards Online at Sam’s Club?

The short answer is yes—Sam’s Club accepts credit cards for online purchases. Whether you’re shopping for groceries, home goods, electronics, or seasonal products, you can use your Visa, MasterCard, Discover, or American Express cards to complete your online transactions. This makes it easier for members to shop online for delivery or in-store pickup.

However, while Sam’s Club allows credit card payments online, there are some things to keep in mind. For instance, Sam’s Club does not accept certain digital wallets such as Apple Pay, Google Pay, or PayPal for online purchases.

This means that, for the time being, you’ll need to stick to the accepted credit cards if you plan on shopping online. [What Credit Cards Does Sam’s Club Accept?]

It’s always a good idea to double-check the payment options available at checkout to ensure your card is valid, especially if you’re hoping to use an alternative payment method such as a digital wallet. When using a credit card for online orders, be sure to provide accurate billing information to avoid any delays with processing.

Does Sam’s Club Offer Any Special Credit Card Offers or Rewards?

Yes, Sam’s Club offers a special co-branded credit card in partnership with MasterCard, which is available exclusively to Sam’s Club members. The Sam’s Club Mastercard offers a number of benefits and rewards for frequent shoppers. Here are some of the highlights:

• Cash Back Rewards: Cardholders can earn cashback on purchases made both inside Sam’s Club and outside of it. For example, you can earn cashback on purchases made at gas stations, restaurants, and other retail stores. This makes the Sam’s Club Mastercard a great option for those who want to earn rewards not only while shopping at Sam’s Club but also on everyday purchases.
• Special Financing Options: The Sam’s Club Mastercard also offers special financing options for qualifying purchases, making it easier for members to manage larger transactions.
• No Annual Fee: As long as you’re a member of Sam’s Club, there is no annual fee for the Sam’s Club Mastercard. This makes it an appealing option for those who want to earn rewards without having to pay extra fees.

For those who are regular shoppers at Sam’s Club, applying for this credit card may be a smart move to maximize savings and rewards. [What Credit Cards Does Sam’s Club Accept?]

See Also: Can I Use My American Airlines Credit for Someone Else?

Why Understanding Accepted Payment Methods at Sam’s Club Is Important

Knowing which credit cards are accepted at Sam’s Club is more than just an extra detail—it’s crucial for ensuring a seamless shopping experience.

Imagine heading to checkout only to find out that your card isn’t accepted, or realizing that the gift card you’ve been planning to use can’t be used. It’s always best to be prepared so you can avoid frustration at the checkout.

Understanding Sam’s Club’s payment methods allows you to shop confidently, knowing that your preferred credit card will be accepted. Furthermore, if you have a Sam’s Club Mastercard, you’ll be able to earn rewards while shopping, adding even more value to your purchases.

FAQs

Does Sam’s Club accept Visa Gift Cards?

No, Sam’s Club does not accept Visa gift cards or any other type of gift card from major credit card companies.

Can I use my credit card for a membership renewal?

Yes, you can use your credit card to pay for Sam’s Club membership renewals either online or at the store.

Can I pay with a debit card at Sam’s Club?

Yes, Sam’s Club accepts debit cards that are issued by Visa or MasterCard. [What Credit Cards Does Sam’s Club Accept?]

Do I need a physical credit card or can I use mobile payment methods?

Currently, Sam’s Club does not accept mobile payment methods like Apple Pay or Google Pay in-store. A physical credit card is required for purchases.

Conclusion: What Credit Cards Does Sam’s Club Accept?

In conclusion, Sam’s Club offers flexibility in payment options, accepting major credit cards including Visa, MasterCard, Discover, and American Express.

While Sam’s Club does not accept gift cards or certain types of prepaid cards, understanding what is and isn’t accepted can help you avoid payment issues and ensure a smooth shopping experience.

For frequent shoppers, applying for the Sam’s Club Mastercard can provide valuable rewards and benefits. So, next time you head to Sam’s Club, make sure you’re equipped with the right credit card for a hassle-free checkout experience.