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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.

 

Read more articles like this at Money.com

Discover the Sam’s Club credit card benefits.

Earn 5% back in Sam’s Cash™ on gas anywhere Mastercard is accepted* (on first $6,000 per year, then 1%).

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members* (Club members earn 1%).

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Earn 3% back in Sam’s Cash on dining and takeout.*

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Earn 1% back in Sam’s Cash on other purchases.*

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Accepted at Sam’s Club and Walmart® nationwide.

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

No annual fee.†

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Doubles as your membership card.

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Accepted worldwide wherever Mastercard is accepted.

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

Zero foreign transaction fees.†

Sam’s Club
Mastercard®
Sam’s Club
Credit Card

See if you prequalify for a Sam’s Club Mastercard® or a Sam’s Club Credit Card.

Get a decision in seconds with no impact to your credit score.
Sam’s Club Mastercard® benefits.

 

 

You can earn Sam’s Cash on 
the following categories.*

 

 

  • 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.*
  • No annual fee.†
  • Also accepted at Walmart® nationwide and online.
  • Doubles as your membership card.
Sam’s Club Credit Card benefits.

 

 

Sam’s Cash is not earned, but
has these benefits available.

 

  • No annual fee.†
  • Also accepted at Walmart® nationwide and online.
  • Doubles as your membership card.

When you see if you prequalify, you will first be considered for the Sam’s Club Mastercard®. If you do not prequalify for the Sam’s Club Mastercard®, you will then be considered for a Sam’s Club Credit Card.

Prequalify Now
Shop SamsClub.com

Use your Sam’s Club Mastercard to make purchases and watch your Sam’s Cash add up.*

Shop Now
Learn about Sam’s Cash.

Earn while you shop and spend your Sam’s Cash how you like.

Learn More
Not a Sam’s Club member yet?

Join today for premium quality, amazing perks and members-only prices.

Join Now

*Subject to credit approval. See the “How to Earn Sam’s Cash with your Sam’s Club Mastercard” reward program terms for details.
 
**Subject to credit approval. Offer valid for eligible gas purchases made with your Sam’s Club Mastercard on the following Mondays: November 4, 11, 18, and 25, 2024 between 12:01am CT and 11:59pm CT. For eligible gas purchases, 10% will be added to your Sam’s Cash balance (5% in gas category, on first $6,000 in gas purchases per year, then 1% after) and (5% in Bonus category) and will post to your account within 90 days from the end of the offer period. Account must remain open, in good standing and not become delinquent. See your “How to Earn Sam’s Cash with your Sam’s Club Mastercard” reward program terms for details.
 
†For new accounts: Variable Purchase APR is 20.40% or 28.40% Minimum interest charge is $2.00 for both cards. All APRs are accurate as of October 1, 2024 and will vary with the market based on the Prime Rate (as defined in your credit agreement).

 

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.