40,000 Miles
Worth $400
After you spend $2,000 on purchases on your new card in your first 3 months of card membership.
- 2%American Air
- 1.5%Dining
- 1%Everywhere
Annual Fee
$95
Rec. Credit
Excellent
Synchrony
Sam's Club Mastercard
The Sam's Club Mastercard is a zero-annual-fee card built for active Sam's Club members who want high cash-back rates on gas, dining, and travel. It acts as a specialized earn-and-save card for daily commuters and frequent club shoppers.
Annual Fee
$0
Rec. Credit Score
Good
Good For
Sam's Club members and drivers
All information about Sam's Club Mastercard has been collected independently by MaxRewards. Sam's Club Mastercard is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the Sam's Club Mastercard worth it?
This card is great for...
Gas purchases and daily commuting
Dining out and travel spending
In-club and online Sam's Club shopping
For active Sam's Club members, this card delivers substantial value primarily through its 5% cash back rate on gas purchases, capped at $6,000 per year. Adding 3% back on dining and travel elevates it above many standard store cards, turning it into a capable option for everyday spending with no annual fee beyond your club membership.
The main limitation lies in reward redemption. Earnings accumulate as Sam's Cash, which is ideal for regular club shoppers but less flexible than standard cash back sent directly to an external bank account.
MaxRewards Verdict
This card is a strong pick for Sam's Club members looking to cut fuel and dining costs, provided you are comfortable receiving cash back as Sam's Cash.
Earning
Rewards
Cash back is earned across several popular everyday categories, with rewards accumulating as Sam's Cash for flexible use in-club, online, or at member services.
CategoryRate
Gas
5%
Dining
3%
Travel
3%
Everywhere
1%
Eligibility
Recommended Minimum Credit
Min: Good
Poor
Fair
Good
Excellent
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Foreign Transaction Fee
None
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
Featured in
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8,000 Points
Worth $80
After you spend $1 on purchases on your new card in your first 1 months of card membership.
- 5%Amazon
Annual Fee
$0
Rec. Credit
Good
$25
After you spend $1 on purchases on your new card in your first 1 months of card membership.
- 3%Dining
- 3%Entertainment
- 3%Marvel
Annual Fee
$0
Rec. Credit
Good