<P> In the United States, Sam's Club memberships are divided into three categories: Business, Savings and Plus, each with an annual fee . Sam's Plus is the most comprehensive membership plan, that includes Cash Rewards and extra savings in Pharmacy and Optical . </P> <P> Sam's Club locations, as well as their online storefront, accept Sam's Club (online and in - store) and Walmart credit cards (in - store only), Discover Card, Visa, MasterCard, American Express, debit cards (PIN - based, except MasterCard and Discover, which also can be signature - based), Walmart and Sam's Club gift cards, cash, or checks . As of March 2009, EBT SNAP benefits are accepted in - store . In the past, Visa credit cards were not accepted, except at gas stations because of the high processing fees compared with Walmart's discounted rates with MasterCard . </P> <P> In 2016, Sam's Club rolled out a mobile application that allows users to scan items while they shop and pay for them, skipping the checkout line . As of December 2016, the app can be used at all locations in the United States . </P> <P> Sam's Club offers store credit lines to individuals and businesses linked to the member's membership card . As of June 2014, Sam's Club discontinued offering the Sam's Discover card and now offers a Sam's Club MasterCard that can be used at Sam's Club and anywhere MasterCard is accepted . Sam's Club MasterCard offers a cash back program of 5% (Up to $6,000 a year then 1% thereafter) on gasoline, 3% on dining and travel and 1% on all other purchases . Sam's Club is also the first merchant in the United States to offer EMV (Europay / MasterCard / Visa) chip - enabled cards . </P>

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