Sam's Club Mastercard vs Sam’s Club World Elite Mastercard® (Club members)
Both cards cost $0/yr. The Sam's Club Mastercard leads on gas stations; the Sam’s Club World Elite Mastercard® (Club members) on gas stations.
Card data as of October 12, 2026.
- Sam's Club Mastercard
Synchrony · No annual fee
- Sam’s Club World Elite Mastercard® (Club members)
Synchrony · No annual fee
Overview
- Annual fee
- Sam's Club Mastercard$0Sam’s Club World Elite Mastercard® (Club members)$0
- Welcome offerCurrent public offer
- Sam's Club Mastercard$30 statement creditSam’s Club World Elite Mastercard® (Club members)—
- Rewards
- Sam's Club MastercardSam’s CashSam’s Club World Elite Mastercard® (Club members)Sam’s Cash
- Foreign transaction fee
- Sam's Club MastercardNoneSam’s Club World Elite Mastercard® (Club members)None
- Network
- Sam's Club MastercardMastercardSam’s Club World Elite Mastercard® (Club members)Mastercard World Elite
Earn ratesPer $1 spent
- Gas Stations
- Sam's Club Mastercard5%Sam’s Club World Elite Mastercard® (Club members)5%
- Dining
- Sam's Club Mastercard3%Sam’s Club World Elite Mastercard® (Club members)3%
- Everything else
- Sam's Club Mastercard1%Sam’s Club World Elite Mastercard® (Club members)1%
Protections & insuranceLimits where published · — means none on record
- Purchase & returns
- Sam's Club Mastercard
- Zero Liability on unauthorized transactions
Sam’s Club World Elite Mastercard® (Club members)Not yet documented - Other protections
- Sam's Club Mastercard
- Mastercard Global Service®
- 24/7 lost/stolen card assistance worldwide
Sam’s Club World Elite Mastercard® (Club members)Not yet documented
Pros & cons
- Pros
- Sam's Club Mastercard
- No annual card fee (membership fee separate)
- 5% back on gas & EV charging (first $6,000/year, then 1%)
- 3% back on dining and takeout
- Free authorized users
- Cash back redeemable as statement credit or at Sam's Club
Sam’s Club World Elite Mastercard® (Club members)— - Cons
- Sam's Club Mastercard
- Requires paid Sam's Club membership ($50-$110/year)
- Club (non-Plus) members earn only 1% back on Sam's Club purchases
- Gas rewards capped at $6,000/year (then drops to 1%)
- Sam's Cash card earnings capped at $5,000 per calendar year
Sam’s Club World Elite Mastercard® (Club members)—
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Close — depends on how much of the credits you use
| Scenario | Sam's Club Mastercard | Sam’s Club World Elite Mastercard® (Club members) | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $186 | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $156 | Close — depends on how much of the credits you use | Sam's Club Mastercard |
| Heavy spender: $4,000/month | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $654 | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $624 | Close — depends on how much of the credits you use | Sam's Club Mastercard |
The Bottom Line
Close — depends on how much of the credits you use
Frequently Asked Questions
- Which card earns more rewards, the Sam's Club Mastercard or Sam’s Club World Elite Mastercard® (Club members)?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Sam's Club Mastercard or the Sam’s Club World Elite Mastercard® (Club members)?
- Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.