Sam’s Club World Elite Mastercard® (Club members) vs Sam’s Club World Elite Mastercard® (Plus members)
Both cards cost $0/yr. The Sam’s Club World Elite Mastercard® (Club members) leads on gas stations; the Sam’s Club World Elite Mastercard® (Plus members) on gas stations.
Card data as of October 12, 2026.
- Sam’s Club World Elite Mastercard® (Club members)
Synchrony · No annual fee
- Sam’s Club World Elite Mastercard® (Plus members)
Synchrony · No annual fee
Overview
- Annual fee
- Sam’s Club World Elite Mastercard® (Club members)$0Sam’s Club World Elite Mastercard® (Plus members)$0
- Welcome offerCurrent public offer
- Sam’s Club World Elite Mastercard® (Club members)—Sam’s Club World Elite Mastercard® (Plus members)—
- Rewards
- Sam’s Club World Elite Mastercard® (Club members)Sam’s CashSam’s Club World Elite Mastercard® (Plus members)Sam’s Cash
- Foreign transaction fee
- Sam’s Club World Elite Mastercard® (Club members)NoneSam’s Club World Elite Mastercard® (Plus members)None
- Network
- Sam’s Club World Elite Mastercard® (Club members)Mastercard World EliteSam’s Club World Elite Mastercard® (Plus members)Mastercard World Elite
Earn ratesPer $1 spent
- Gas Stations
- Sam’s Club World Elite Mastercard® (Club members)5%Sam’s Club World Elite Mastercard® (Plus members)5%
- Dining
- Sam’s Club World Elite Mastercard® (Club members)3%Sam’s Club World Elite Mastercard® (Plus members)3%
- Everything else
- Sam’s Club World Elite Mastercard® (Club members)1%Sam’s Club World Elite Mastercard® (Plus members)1%
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 World Elite Mastercard® (Club members) | Sam’s Club World Elite Mastercard® (Plus 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: $156 | 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 | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $624 | 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 | Close — depends on how much of the credits you use |
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 World Elite Mastercard® (Club members) or Sam’s Club World Elite Mastercard® (Plus 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 World Elite Mastercard® (Club members) or the Sam’s Club World Elite Mastercard® (Plus 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.