| Last updated on November 9th, 2023
Sam's Club® Mastercard®
Sam's Club® Mastercard®
- 20.9% or 28.9% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.9% or 28.65% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 25.90% or 31.65% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
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.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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: 20.9% or 28.9% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.9% or 28.65% 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: 25.90% or 31.65% 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
- You're a current Sam’s Club or Sam’s Club Plus member
- You frequently purchase gasoline with a credit card
- You do't want to pay an annual fee or foreign transaction fee
- You 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 to earn on purchases and the additional 2% Plus members earn on qualifying in-club and Pickup purchases.
The card also earns 3% 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 Plus member.
Sam’s Card Vs. Costco Anywhere Visa
Sam’s Club® Mastercard®
Costco Anywhere Visa® Card by Citi
|Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%); 3% cash back on Sam’s Club purchases for Plus members. Club members earn 1% cash back; 3% cash back on dining and takeout; 1% cash back on other purchases
|Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter;3% cash back on restaurants and eligible travel purchases; 2% cash back on all other purchases from Costco and Costco.com; 1% cash back on all other purchases
|No annual fee
|No annual fee
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.
Store Card Option Also Available
The Sam’s Club® Mastercard® differs significantly from the Sam’s Club® Credit Card, the closed-loop credit card option from Sam’s and Synchrony. Unlike the Mastercard version, the Sam’s Club® Credit Card is only accepted at Sam’s Club and Walmart stores and therefore doesn’t earn enhanced rewards on gas or other external purchases. The only real benefit to the closed-loop store card from Sam’s Club is if you have subprime credit and might not qualify for the Sam’s Mastercard. Still, there may be better fair credit options available.
Other Card Features
Other notable features of the Sam’s Club® Mastercard® from Synchrony Bank include no foreign transaction fees when shopping abroad.
Sam’s Club members get the greatest value from the Sam’s Club Mastercard, including exclusive Sam’s Club benefits. These include:
|① Sam’s Club Plus members enjoy free shipping at Sam’s Club, early shopping hours in-store, prescription savings, and more.
|② The credit card doubles as your Sam’s Club membership card
|③ Acceptance at all Sam’s Club and Walmart locations nationwide
The card also enjoys Mastercard benefits and protections, including the following:
|Zero Liability Protection
|Mastercard Global Services
|ID Theft Protection
While the Sam’s Club Mastercard is available to applicants in all 50 U.S. states and the District of Columbia, the wholesale brand does not have stores in the following U.S. states:
FAQs About the Sam's Club Mastercard
Here are some answers to commonly-asked questions about the Sam’s Club Mastercard:
- No. The Sam’s Club Mastercard is not the same product as the store card version of the Sam’s credit card. Because of this, you will need to apply for a new credit card account to switch over.
- Synchrony Bank
- P.O. Box 960013
- rlando, FL 32896-0013
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.
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