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

Plus members earn more.

Plus members earn 3% back in Sam’s Cash on Sam’s Club purchases with a Sam’s Club Mastercard®. Club members earn 1%.

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Hit the club & shop from home.

Shop in club and online with your Sam’s Club Mastercard® and watch your Sam’s Cash add up.*

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Earn with Bonus Offers.

Link your Sam’s Club Mastercard® or any eligible credit card to earn Sam’s Cash with Bonus Offers at restaurants, shops and more.

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Best Wholesale Club Credit Card:

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® offers higher cash back than its wholesale competitors both in the store and out.

 

As far as wholesale clubs go, this credit card from Sam’s goes further than its competition, offering high cash back in a variety of categories:

  • 5% back on gas and EV stations up to the first $6,000, 1% thereafter
  • 3% on dining
  • 3% back for Plus members on Sam’s Club purchases (1% for Club members)
  • 1% on other qualifying purchases

Wholesale clubs are typically excluded from grocery-related rewards on most credit cards so, if you do most of your shopping in bulk, it’s a good idea to consider a card issued by one of the stores itself. Of these,­ the Sam’s Club® Mastercard® offers the most rewards — 5% on gas, the highest among all cards we’ve reviewed, and up to 3% on Sam’s Club purchases. (That’s 1% for regular members and 3% for Plus members.)

 

Unfortunately, the card doesn’t offer any insurance policies or travel-related perks. But when it comes to buying groceries in bulk, it might be the best possible card.

 

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 or see if you prequalify, you will first be considered for the Sam’s Club Mastercard®. If you are not approved for or prequalify for the Sam’s Club Mastercard®, you will then be considered for a Sam’s Club Credit Card, which does not earn Sam’s Cash.

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*Subject to credit approval. See the “How to Earn Sam’s Cash with your Sam’s Club Mastercard” reward program terms for details.

 

†New Accounts as of 3/31/25: Min Interest Charge $2. Sam’s Club Credit Card: Variable Purchase APR 28.90%. Sam’s Club Mastercard: Variable Purchase APR 20.90% or 28.90%. Variable Cash APR 25.90% or 31.90% and 3% Fee ($5 min).

 

The Sam’s Club 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.