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Sam's Club® Mastercard®
Doubles As Your Membership Card
- Regular Purchase APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Mastercard
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
The Sam’s Club® Mastercard® offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee. From Synchrony Bank, the card also features no foreign transaction fees, Mastercard’s near-global acceptance, and special savings when shopping at Sam’s locations nationwide.
Ideal for Those Who:
- Are current Sam’s Club or Sam’s Club Plus members
- Frequently purchase gasoline
- Don’t want to pay an annual fee or foreign transaction fee
- Spend heavily on dining each month
Sam’s Club® Mastercard® Review
The Sam’s Club® Mastercard® is a versatile cash back rewards card from Synchrony and leading wholesale retailer Sam’s Club. The card offers members exclusive savings and features no annual fee with a valid Sam’s Club membership.
New Account Introductory Bonus
New Sam’s Club® Mastercard® enjoy an easy-to-achieve statement credit after meeting minimum spending requirements. New accounts earn a $30 statement credit after using their new card to make $30 in eligible Sam’s Club purchases within the first month (30 days) of opening an account.
Earn Up to 5% Cash Back on Gas
The major highlight of the Sam’s Club Mastercard is the impressive savings it offers on gas purchases. The card earns 5% cash back on gas purchases anywhere Mastercard is accepted. While that 5% back is capped on the first $6,000 per year in spending (after that, 1% back on all gas station purchases), that total amounts to $500 per month.
The 5% back with the Sam’s Club Card is on par with many of the other nominees for “best gas credit card,” making it something of a no-brainer for the current Sam’s Club member who frequently purchases gasoline and wants to save at the pump. The PenFed Platinum Rewards Visa, for instance, also offers 5% back (in Power Rewards points) but requires a Pentagon Federal Credit Union membership.
Earn 3% Back at Sam’s Club and on Dining
The Sam’s Club® Mastercard® also earns accelerated cash back on purchases at the wholesale club and on dining. The card earns 3% back on Sam’s Club purchases for Plus members, with regular members earning 1% back on Sam’s Club purchases. That 3% back takes the form of the 1% all Sam’s Club members earn on purchases and the additional 2% Plus members earn on qualifying in-club and Pickup purchases.
The card also earns #% back on dining purchases – including takeout. All other purchases with the card earn 1% back other purchases at Sam’s Club and wherever Mastercard is accepted worldwide. This additional reward category makes the card a lucrative gas and dining card – a versatile tool in the wallet of any Sam’s Club Pus member.
How to Redeem Cash Back Rewards
Redeeming cash back with the Sam’s Club® Mastercard® is straightforward. Cardholders can redeem their rewards at Sam’s Club locations, including transactions with the Scan & Go checkout feature. Keep in mind that you must be a current Sam’s Club member to redeem your rewards, and your Mastercard account must be open, not delinquent, and verified at the time of redemption. If you are no longer a member of Sam’s Club after you earn your rewards, you must renew your Sam’s Club membership before redeeming them.
Other Card Features
Other notable features of the Sam’s Club® Mastercard® from Synchrony Bank include:
- No foreign transaction fees when shopping abroad
- The credit card doubles as your Sam’s Club membership card
- Acceptance at all Sam’s Club and Walmart locations nationwide
- Mastercard Zero Fraud Liability protection
- Sam’s Club Plus members enjoy free shipping at Sam’s Club, early shopping hours in-store, prescription savings, and more.
Should You Apply for the Sam’s Club® Mastercard®?
So, is the Sam’s Club® Mastercard® worth considering? If you are a current Sam’s Club Plus member with good or excellent credit, the answer is likely “yes.”
The card offers superior cash back on gas station purchases to many other co-branded credit cards, making it a valuable tool for the daily commute. Add to that the 3% back it earns on dining and Sam’s Club purchases (for Plus members), and this no annual fee card hits all the right notes to make it a lucrative earner for everyday use.
For regular Sam’s Club members, the answer is also likely “yes.” While the card only earns 1% back at Sam’s Club and Walmart locations for regular members, the 5% back on gas more than makes up for this shortfall. Add to that no foreign transaction fees and no annual fee (plus the 3% on dining, and it’s competitive, valuable, and worth considering.