Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Sam’s Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Bonus: $30 statement credit
Spend: $30
Period: 1 months
Benefits & Perks
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Reviews & Analysis
Program & Transfers
Earn more on everyday spend.
Sam's Club Rewards is a retail rewards program focused on turning everyday purchases into practical member value. The program includes 1 status tier that provide incremental benefits as activity grows. Members can earn through qualifying spend or travel activity and redeem for rewards tied to program terms and availability.
Details & Terms
| Purchase APR | 20.15%–28.15% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Synchrony Sams | — | Synchrony Sams |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page |
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
