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So many ways to earn Sam’s Cash with the Sam’s Club Mastercard.®*

Earn Sam’s Cash on gas and
at eligible EV charging stations.*

 

Best for Gas, Dining,
and Warehouse Club Rewards: Sam’s Club Mastercard®

 

HIGHLIGHTS

  • Earn 5% back in Sam’s Cash on gas anywhere Mastercard® is accepted (on first $6,000 per year, then 1%).*
  • Earn 3% back in Sam’s Cash on dining and takeout.*
  • Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*
  • Earn 1% back in Sam’s Cash on other purchases.*

Why we chose it: The Sam’s Club Mastercard® is best for gas and EV charging, dining out or shopping at Sam’s Club. With 5% cashback on gas purchases and EV charging and 3% back on dining, this card helps maximize savings on two common everyday spending categories. Sam’s Club Plus members can earn 5% at Sam’s Club — 3% Sam’s Cash™ from the credit card and another 2% as a Plus member.

 

No annual fee for Sam’s Club members is a strong bonus and the rewards program offers straightforward rewards via Sam’s Cash that you can use on your next purchases at Sam’s Club.

 

Whether you’re filling up your tank, dining out or stocking up on groceries and household goods, the Sam’s Club Mastercard® offers some of the most impressive rewards available without an annual fee (for members). You’ll also get access to Sam’s Club’s periodic promotions and exclusive offers.

 

All information about the Sam’s Club® Mastercard® has been collected independently by Money.com.

 

Apply or see if you prequalify today!

Sam’s Club Mastercard® Benefits
  • 5% back in
Sam’s Cash on 
gas anywhere Mastercard® is accepted*
    (on first $6,000 per year, then 1%).
  • 3% back in
Sam’s Cash on 
Sam’s Club purchases for Plus members* (Club members earn 1%).
  • 3% back in
Sam’s Cash on dining and takeout.*
  • 1% back in
Sam’s Cash on other purchases.*

Sam’s Club Credit Card Benefits
  • No annual fee.†
  • Accepted at Sam’s Club and Walmart® nationwide.
  • Doubles as your membership card.
  • Zero fraud liability for unauthorized use.‡
  • 24/7 Online account management.

When you apply, you will first be considered for the Sam’s Club World Elite Mastercard®. If you are not approved for the Sam’s Club World Elite Mastercard®, you will be considered for the Sam’s Club Credit Card, which does not earn Sam’s Cash.

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*Eligible EV charging station purchases will earn 5°/o back in Sam’s Cash in the gas and EV charging category on the first $6,000 in gas and EV charging station purchases per year, then 1% thereafter. “EV Charging Stations” are generally merchants identified by their MCC as “Electric Vehicle Charging”. EV Charging Stations do not include merchants of Parking Lots, Parking Meters and Parking Garages. We do not evaluate whether merchants correctly identify and bill transactions; however, we do reserve the right to determine which transactions qualify. Subject to credit approval. See your “How to Earn Sam’s Cash with your Sam’s Club Mastercard” rewards program terms for details.

 

**To qualify for this offer you must make eligible gas or Electric Vehicle (EV) charging station purchases with your Sam’s Club Consumer Mastercard from 12:0lam CT to 11:59pm CT on November 3, 10, 17 and 24, 2026. EV charging stations are generally merchants identified by their MCC as Electric Vehicle Charging’. EV charging stations do not include merchants of Parking Lots, Parking Meters and Parking Garages. For eligible gas and EV charging station purchases, 10% will be added to your Sam’s Cash® balance (5% in the gas and EV charging category, on first $6,000 in gas purchases per year, then 1% after) and (5% in Bonus category). The additional Sam’s Cash® earned from this offer will be posted to your account’s Sam’s Cash® balance within 90 days from the end of the offer period. Account must remain open, in good standing, and not become delinquent. Maximum of $5,000 in Sam’s Cash® can be earned in a calendar year. Eligible purchases on multiple Card Accounts for the same Sam’s Club member, including business and personal accounts, will be aggregated in determining the $5,000 maximum Sam’s Cash per year. This offer is only for the intended recipient of this communication and is not transferable. See your “How to Earn Sam’s Cash with your Sam’s Club Mastercard” rewards program terms for details. Subject to credit approval.

 

†New Accounts as of 1/1/26: Min Interest Charge $2. Sam’s Club Credit Card: Variable Purchase APR 28.15%. Sam’s Club Mastercard: Variable Purchase APR 20.15% or 28.15%. Variable Cash APR 25.15% or 31.15% and 3% Fee ($5 min).
 
1Based on average national retail gasoline price of $4.50/gal. as reported by EIA.gov as of May 11, 2026.
 
2As a Sam’s Member, you are eligible to receive a 15% insurance discount for every insured pet through Spot Pet Insurance. Except in CA, NY, where the discount is 10%, and WA where the discount is 5%. Discount is not available in TN, or Puerto Rico. Sam’s Members with multiple pets are eligible for an additional 10% multi-pet discount on all added pets after the first.
 

3Spot Pet Rx Program is not available in Puerto Rico. See spotpet.com/rx-terms for more details.
 

4Gift card is subject to eligibility, not available in all states. See spotpet.com/sams-gc-terms
 

Sam’s Club Mastercard is a credit card offered by Synchrony Bank. Spot does not own, administer or make decisions regarding Sam’s Club Mastercard. An affiliate of Synchrony Bank holds a minority equity interest in an affiliate of Spot.
The Sam’s Club World Elite Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, World Elite Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.