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Someone who spends a lot at Sam's Club is likely to consider getting their co-branded cards. These cards boost the earning power for Sam's Club members, both at the store and in several other areas of spending, notably on gas and dining.

The Sam's Club Mastercard earns elevated rewards on gas, dining and takeout, and 1% cash back rewards on all other eligible purchases. Earned rewards can only be redeemed once annually, provided you have an active membership and card account in good standing. While there is no annual fee for the card, cardholders must be a Sam's Club member to make reward redemptions. It costs $50 for an annual Sam's Club membership and $110 for an annual Sam's Club Plus membership. Moreover, you can only take the earnings as a statement credit or towards a purchase being made at Sam's or, while deposits into a bank account are not allowed. The Sam's Club Credit Card, in turn, is a store-only credit card without rewards that's only accepted at Sam's Club and Walmart stores.

So occasional or infrequent Sam's Club and other shoppers may also want to consider a reward earning credit card with a 0% promotional interest period. The best 0% intro APR cards offer no interest on purchases for more than a year. If you care about avoiding interest charges on a new purchase and are looking for a rewards credit card to use every day, consider, for example, the Discover it® Cash Back card. The no-annual-fee card comes with a 0% introductory APR for 15 months (after the introductory period is over, the ongoing APR will apply) and decent rewards. An additional benefit of carrying the Discover it® Cash Back card is that there's no minimum cash-back earning and redemption amount. Discover will also match all cash back earned at the end of your first year (provided you are a new cardmember), which could bring more valuable than a more traditional welcome bonus, depending on how much you spend.

Discover it® Cash Back
Earning Rewards: Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
Intro APR on
0% Intro APR (15 months)
Ongoing APR: 17.24% - 28.24% Variable APR