I shop at Sam's club for the discount, then with the DOSH app, I get 2% from the Sam's purchase, and pay with my Arrival+ MC for 2X points (which we use for airline tickets).
Sometimes DOSH is paying 8% a couple times a year, BJ's also 8% a couple times a year. Check our the Disney Gift Card Deals Thread: https://www.disboards.com/threads/disney-gift-card-deals.2941964/page-1868 for the latest offers.