Are you thinking about applying for a Sam’s Club Discover? It’s an extremely popular credit card geared towards Sams Club customers. The card is definitely not a scam, but you may be shocked to learn that just because this warehouse offers great deals on purchases, it doesn’t necessarily mean that their Discover card is the best choice.


Discover is an amazing company. They have what is perhaps the best customer service and rewards in the industry. In a nutshell, it’s not that this card is a scam, it’s just that it only offers average rewards and benefits. Did you know you can use any Discover card – not just the Sam’s Club version – for payment at their stores? So why not choose one of their other cards that offer much higher cash back, instead?

Why Does Sam's Club Only Accept Discover?
Why does Sams Club not take Visa and other major credit cards? Well, you see they have an exclusive agreement with Discover. It’s very similar to the agreement Costco has with American Express. The exact terms of the deal are not entirely public, but one can guess that in exchange for this lucrative agreement, Discover probably gives the store lower transaction fees and a cut from the revenue the cards bring in. Additionally, the store can use this to their advantage, as it will inevitably force some customers to apply for their own version, simply because they are sick and tired of only being able to pay with cash, check, etc. In fact, that is probably how you stumbled upon this review. But keep reading to find out what will benefit you the most.

Interest Rates
This card has very reasonable interest rates and payment terms. Of course the exact APR fluctuate depending on the prime rate, so I don’t want to write down the numbers here and have them be something totally different tomorrow, but they seem to be reasonable. However, it’s not just with the Sam’s Club version – all Discover credit cards usually have lower than average interest rates. So although this one has a decent APR, it’s nothing special. You can get the same rate or better elsewhere.

The Truth About The Rewards
So based on the above information, it’s pretty obvious why the store markets the Sam's Club Discover so heavily. The bottom line is that it’s a big money maker for them. But with every positive there’s a negative – what benefits them can hurt you. How so? Because you can earn a lot of cash back with another card. And the truth is that throwing away free savings is the same as throwing away cash.

The Best Option
The bottom line is this – you can use any Discover card at Sam’s Club, so you should go with the one that has the highest cash back. As I mentioned above, right now that would definitely be the More card. It gives an outrageously high 5% cash back bonus on a wide variety of rotating categories which include grocery stores, gas stations, department stores, eating out, travel, and others. To be completely transparent with you this website is part of Discover's affiliate advertising program, but I honestly believe this is their best card... take a look at the evidence to see this for yourself. Plus, there’s even a free way to double your 5% cash back bonus – check out our review of the no annual fee Discover More!