We are Sam's Club members and have a Credit Card from them. Credit card is also our membership card which makes it handy. Rewards are decent but my favorite part is I can pay my bill right in any Sam's Club store and also use the rewards I get when I make purchases at the club. Our local Sam's Club is normally the cheapest place for me to get gas (sometimes by as much as 30 cents cheaper) and I get rewards back for buying their gas. I love it but it only works if you live near a Sam's Club.