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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 for Gas: 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: Plain and simple, no other card offers 5% back on gas like the Sam’s Club Mastercard® does — this, in addition to other great benefits, makes it a great option for avid Sam’s Club shoppers.

 

The Sam’s Club Mastercard® is not just for wholesale shopping fans as it also offers benefits outside the store. Its rewards program includes the following cash back categories:

  • 5% at U.S. gas stations up to the first $6,000 spent (1% thereafter)
  • 3% on dining and takeout
  • 3% on Sam’s Club purchases for Sam’s Plus members
  • 1% on all other qualifying purchases
  • Cardholders can earn a maximum of $5,000 in Sam’s Cash in a calendar year

The card’s 5% back at U.S. gas stations is the highest among its kind. If you commute long hours or drive a gas-guzzler, that’s $300 of cash back each year, in addition to what you’ll earn at the 1% rate after that first $6,000 you spend.

 

You can use all this cash back to pay at any Sam’s Club, both at the register or through the mobile app, or redeem it for actual cash at the cash register.

 

Having said that, the lackluster introductory offer, the lack of any travel or 
purchase insurance and the need to be a Sam’s Club member are definite drawbacks. However, if you live near Sam’s major competitor, check out the Costco Anywhere Visa® Card by Citi, which offers 4% on gas up until the first $7,000 spent, and 1% afterwards.

 

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.