Card details

Earn 5% cash back on gas (on first $6,000 per year in purchases, then 1%)
Earn 3% cash back on dining and travel
Earn 1% on other purchases.
No annual fee
No foreign transaction fees
Doubles as your membership card

Rates, fees & offers

Annual fee:$0
Rewards rate:1%-5%
Bonus offer:Get $45 as a statement credit when you open a new account and spend $45 online in the same day. Offer Ends July 15, 2020.
Intro APR:N/A
Ongoing APR:14.90% - 22.90%, Variable
Foreign transaction fee:None

Pros Explained

Higher Cash Back in Certain Categories: 

The Sam's Club Mastercard offers 5% back on gas and 3% back on dining and travel. The 5% cash back on gas only applies to the first $6,000 in gas purchases each year, however.

No Annual Fee:

 Because there is no annual fee, there’s no need to worry about whether your rewards will justify the fee. However, cardholders who want to shop at Sam’s Club have to purchase a membership, and Sam’s Club and its website are the only places where you can redeem your cash-back rewards.

Cash Access of Up to $100 at Sam's Club and Walmart Registers:

 Cardholders can get cash advances of $20 to $100 at Walmart and Sam’s Club stores, which could be a convenience. These "quick cash advances" are treated as purchases.

No Foreign Transaction Fee: 

This card charges no foreign transaction fees, and because it's a Mastercard, it's widely accepted abroad.


Cons Explained

Limit to the Amount of Cash Back:

 You can earn 5% cash back on up to $6,000 in gas purchases each year, for a total of $300. Once you reach the $6,000 threshold, gas earns just 1% cash back. On top of that, you’re limited to $5,000 in total cash back for the year.

Must Buy a Sam's Club Membership to Use the Card at Sam's Club:

 Even though the Sam's Club Mastercard can double as a membership card at Sam's Club, you don't get automatic membership. You still have to pay for that membership if you want to use the card for shopping at Sam's Club. What's more, because the cash-back rewards can only be redeemed at Sam's Club, you'll need a membership in order to take advantage of the rewards program. A regular Sam's Club membership costs $45, while a Plus membership, with additional benefits, is $100. 

Small One-Time Offer, Only Available for a Limited Time: 

There is a bonus of sorts with this card but it is quite modest compared to what you could get with many other cash back credit cards. Currently, the bonus offer is a $45 statement credit after spending $45 on the day of account opening (which equals the dollar amount of the membership fee for new members); offer expires July 15, 2020.


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Sam's Club Mastercard Review

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Sams Credit Card Review
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Sams Credit Card
The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.
Sams Credit Card

Sams Credit Card is Best For…
The Sam's Club Mastercard is designed for consumers who regularly shop at Sam’s Club and want a convenient way to pay with a card that doubles as a membership card.This card could also be a good choice for anyone who drives a lot. The average household spends about $2,109 a year on gas, accord