Sam's Club Mastercard
- Annual Fee
- $0
- statement credit · Welcome Bonus
- $60
- Top Rate
- 5%
Terms checked against the issuer on November 3, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Sam’s Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good to Excellent
Welcome Offer
Bonus: $60 statement credit
Spend: $30
Period: 1 months
Earning Rates
- 5%
Gas Stations
5% back in Sam's Cash on gas & EV charging (first $6,000 per year, then 1%)
Cap: $6,000/annual
- 5%
Electric Vehicle Charging
EV charging row: same tier and same cap as gas, per the issuer's wording: "in Sam’s Cash™ on gas & EV charging" (TASK-0714).
Cap: $6,000/annual
- 3%
Dining
3% back in Sam's Cash on dining and takeout
- 3%
Sams Club
3% back in Sam's Cash on Sam's Club purchases for Plus members (Club members earn 1%). "Up to 5% at Sam's Club" composites include the separate Plus membership 2% reward (max $750 per 12-month membership period), not card earn
- 1%
All Other
1% back in Sam's Cash on all other purchases (card Sam's Cash earnings capped at $5,000 per calendar year)
Benefits & Perks
Insurance & Protections
3 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Mastercard Global Service®
Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
Pros and Cons
Pros
- +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
Cons
- -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
Who It's Best For
Best For
- Sam's Club members who fuel up regularly (5% back on gas & EV charging, first $6,000/year)
- Frequent diners seeking 3% back on dining and takeout
- Households with high gas consumption (up to $6,000/year at 5%)
- Shoppers who already pay for Sam's Club membership
Not Ideal For
- Non-Sam's Club members (membership required, $50-$110/year)
- Drivers who spend well over $6,000/year on gas (rate drops to 1% past the cap)
- Club-tier members seeking high rewards at Sam's Club (1% without Plus; 3% requires Plus)
The Math: Is $0 Worth It?
First-year value includes $60 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Program & Transfers
Sam's Club Rewards
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
Application Rules
| Rule | Details |
|---|---|
| Membership required | Only current Sam's Club members can apply; the card doubles as your membership card. |
Payment Terms
| Purchase APR | 20.4%–28.4% (Variable) |
| Cash Advance APR | 25.4%–31.4% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Synchrony Sams | — | Synchrony Sams |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Synchrony Financial | — | Synchrony Financial |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Welcome offer |
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