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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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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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*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 11/1/25: Min Interest Charge $2. Sam’s Club Credit Card: Variable Purchase APR 28.40%. Sam’s Club Mastercard: Variable Purchase APR 20.40% or 28.40%. Variable Cash APR 25.40% or 31.40% 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.