Sam's Club Mastercard

The Sam's Club Mastercard is built for cardholders who spend heavily on gas and can make real use of its elevated everyday categories. It works best as a no-annual-fee spending card, especially for drivers, restaurant spending, and occasional travel, rather than as a card you keep only for perks.

Annual Fee

Rec. Credit Score

Good

Good For

Gas-heavy households

How to Apply Estimate your value

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 station spending

Dining and takeout

No-fee everyday cash back

Yes, if gas is one of your biggest monthly expenses. A no-annual-fee card that earns 5% back on gas is easy to justify, and the added 3% back on dining and travel gives it more range than a single-purpose gas card. For households that drive often and want straightforward cash rewards, this can pull solid value without asking you to manage points or offset an annual fee.

It is less compelling if your spending is centered on groceries, general shopping, or non-bonus purchases, since the card falls back to 1% on everything else and does not come with meaningful side benefits. If you want premium travel perks, purchase protections, or stronger all-around rewards, this is probably a supporting card rather than your main one.

MaxRewards Verdict

This card makes the most sense for drivers who want strong gas rewards and useful bonus categories without paying an annual fee. Its main limitation is simple: outside gas, dining, and travel, the long-term value is pretty ordinary.

Earning

Rewards

This card keeps things simple with cash back, not points. The value comes from a few strong everyday categories, especially gas, so it works best when your spending lines up with those bonus rates.

CategoryRate

Gas

Dining

Travel

Everywhere

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