Editor's note: This is a recurring post and is regularly updated with new information and offers.
Sam's Club® Mastercard® Review
The Sam's Club® Mastercard® is a cash back credit card available to Sam's Club members. While it doesn't provide additional income for purchases at Sam's Club without a Plus membership, this card offers 5% back on gas and 3% back on dining with no annual fee. Rewards are awarded within one to two payment cycles after they are earned and are easy to redeem at Sam's Club.Card rating*: ⭐⭐⭐
*Map ratings are based on the opinion of TPG editors and are not influenced by the map publisher.
The Sam's Club Mastercard may sound appealing if you regularly shop at Sam's Club, prefer cash back, or don't want to pay an annual credit card fee. Yes, Sam's Club Mastercard checks these fields.
However, the card has low rates on everyday purchases and only gives cash back on Sam's Club purchases to those with a more expensive Plus membership. On the other hand, the card offers premium rates for fuel and restaurant purchases.
Let's take a closer look at the Sam's Club Mastercard to see if it deserves a place in your wallet.
Sam's Club Mastercard data is independently collected by The Points Guy. The card information on this page has not been verified or provided by the card issuer.
Sam's Club Mastercard Welcome Offer
Keep your credit cards safethey usually offer pretty depressing sign-up bonuses, and the Sam's Club Mastercard (issued by Synchrony Bank) is no exception.
New applicants can receive a $30 credit toward a Sam's Club purchase within the first 30 days of opening a $30 account. While something is better than nothing, $30 is pretty low forcredit card welcome bonus. However, it is a 100% refund andit does not require much effort.
Related:Why storing credit cards is (almost) always a bad idea
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Benefits of the Sam's Club Mastercard
Eventhe best cards with no annual feesthey don't offer much benefit. However, there are very few benefits on the Sam's Club Mastercard, which only offers:
- There are no fees for foreign transactions.
- There are no annual costs.
- Accepted at all Sam's Club and Walmart locations nationwide.
- Online access to the account, including the possibilityrequest a credit limit increase.
- It also serves as a Sam's Club membership card.
Of these advertised benefits, only two stand out: no fees for foreign transactions and no annual fee. In spite of everything,Sam's Club locations accept most credit cardsand other payment methods. It is not unusual to say that the Sam's Club Mastercard is accepted at all Sam's Club and Walmart locations nationwide.
Related:12 Credit Cards That Can Get You $1,000 or More in Your First Year
Earn cash back on your Sam's Club Mastercard
With the Sam's Club Mastercard, you can get cash back in the following ways:
- 5% at gas stations (starting with the first $6,000 in a calendar year, then 1%).
- 3% on meals and take-out.
- 1% on other purchases.
Sam's Club Plus members also earn up to 5% cash back on Sam's Club purchases - all Plus members already earn 2% cash back on eligible purchases (up to $500 cash back per year), and cardholders get an additional 3% cash back. ANDplus membershipit costs $110 a year.
Without a Plus membership, you only earn 1% back on Sam's Club purchases. If you're looking for better earnings without a $110/year membership, consider buyingCredit card with 2% cash back.
Earn 5% backfullis rare - especially in the case of the z cardthere are no annual costs- which makes this card a great option for those who spend a lot on fuel. This revenue applies to all gas stations (not just Sam's Club gas stations), although there are a few exceptions: non-Sam's Club warehouse clubs and in-store gas stations. Earn 3% backdining roomis another strong category on this chart.
Prizes will be awarded in the form of Sam's Cash. You can earn up to $5,000 in Sam's Cash per year with your card. It is important to note that you will not receive a refund for purchases of tobacco, e-cigarettes, prescription drugs, gift cards or other cash equivalents.
Related:How to choose a cash back credit card
Get cash back on your Sam's Club Mastercard
Sam's Cash will be issued automatically within one to two billing cycles of earning and upgrading your Sam's Club membership account. You can then use this cash back at Sam's Club to make purchases at the club, online and through the app. You can also use Sam's Cash to renew or upgrade your membership or cash it out by claiming cash back from the staff cashier or Member Services.
However, you will not receive a refund - or your available refund balance will be forfeited - in the following cases:
- Your card account is not in good standing.
- Your Sam's Club membership will be terminated, canceled or revoked by Sam's Club.
- Your card account has been canceled or closed (by you or Synchrony Bank).
Sam's Cash will not expire as long as you are an active member of Sam's Club.
If you plan to keep your Sam's Club membership for many years and shop regularly at Sam's Club, this redemption program is ideal because of its ease of use. But if you don't spend a lot at Sam's Club, it's best to see if another card is bringing you more total income.
Related:3 reasons why you want a cashback credit card in your wallet
What cards compete with the Sam's Club Mastercard?
Consider other wallet cards, such as those from Walmart and Costco, as well as cards that provide good income for everyday expenses without charging an annual fee.
- If you want to earn money in a warehouse club with a basic membership:FromCostco Anywhere Visa® Card stevig Citi(Seerates and surcharges) has no annual fee, but requires an active Costco membership. Earn 4% cash back on gas and EV charging (up to $7,000 in purchases per year, then 1% cash back), 3% cash back on dining and eligible travel, 2% cash back on Costco purchases (both in-store and online ) and 1% cash back on other purchases. Cash prizes are available every year. For more information read ourfull review of the Costco Visa Card.
- Do you want to earn more by daily shopping:FromCiti® Dual Cash-kaart(Seerates and surcharges) has no annual fee and you earn 2 Citi ThankYou points for all purchases: 1 point for purchases and 1 point for bill payments. You can use these points for travel or withdraw them by offering earning options. For more information read ourfull review of Citi Double Cash.
- If you want to increase your earnings at Walmart:The Capital One Walmart Rewards® Card has no annual fee and gives you 5% cash back at Walmart.com (including pickup and delivery), 2% cash back at Walmart stores, 2% cash back at dining and travel and 1% cash back at other purchases. Earnings can be exchanged for cash, recent purchases, travel or gift cards. For more information read ourfull review of the Walmart Rewards card.
- If more income is important to you and you shop online:The Amazon Prime Rewards Visa Card has no annual fee, but requires an active Prime membership to unlock the earning potential. You can earn 5% back on purchases at Amazon.com and Whole Foods Market, 2% back at restaurants and gas stations, and 1% back on other purchases. You also get 10% (or more) back on select Amazon products with various offers. For more information read ourAmazon Prime Visa Full Review.
Check out our full list for additional optionsthe best credit cards for everyday expenses.
Information for Capital One Walmart Rewards and Amazon Prime Visa cards is independently collected by The Points Guy. The card information on this page has not been verified or provided by the card issuer.
Related:Why now is the time to get a card that rewards shopping
Is the Sam's Club Mastercard worth it?
If you're not a Sam's Club member, it probably doesn't make sense to join Mastercard Sam's Club. Existing members (especially those with a Plus membership) can take advantage of the card's earning level. It's also worth checking out if there's one of the best maps for itfullanddining roomshopping would be better for you.
Related:6 ways to save at the pump
Conclusion
Earning bonus cash back on fuel and meals is fun. The real power of this card is when you combine it with a Sam's Club Plus membership, which costs extra, so make sure you're earning enough to cover the cost.
If you shop at Sam's Club a lot, this might be a good ticket. But you can earn more with a card that offers higher earnings for daily spending, since you probably don't shop at Sam's Club every day.
Additional reporting by Katie Genter.
Editorial Disclaimer: The opinions expressed here are solely those of the author, not of any bank, card company, airline, or hotel chain, and have not been reviewed, endorsed, or otherwise endorsed by any of these entities.
FAQs
What are the benefits of Sam's Club Plus member Mastercard? ›
The Sam's Club Mastercard will earn 5% Cash Back Rewards on gas anywhere (up to $6,000), 3% Cash Back Rewards on dining and takeout, 3% Cash Back at Sam's Club for Plus Members and 1% Cash Back Rewards on all other eligible purchases.
How to earn cash back with your Sam's Club Mastercard reward program? ›Sam's Club® Mastercard® holders may earn Sam's Cash on qualifying purchases using their Sam's Club Mastercard when using Scan and Go. Your e-receipt will have Sam's Cash earned details. REDEEM: On the Scan & Go checkout page, if you have Sam's Cash available, it will show as an available tender type.
What is the highest credit limit on Sam's Club Mastercard? ›The credit limit for the Sam's Club Credit Card typically ranges from $1,000 to $10,000, although reports indicate it's possible to get higher limits. Your credit limit on your Sam's Club Credit Card is determined by multiple factors, including your annual income and credit history.
How does Sam's Club reward points work? ›The Sam's Cash Bonus Offers program allows eligible Sam's Club members to earn Sam's Cash that they can redeem under the Sam's Cash loyalty rewards program. A member does this by linking an eligible credit or debit card to earn Sam's Cash when the member completes qualifying activities at third-party merchants.
What is the difference between a Sam's Club card and a Sam's Club Plus card? ›The Sam's Club Plus Membership is the highest level of membership offered and includes additional benefits such as free shipping for online orders, earlier shopping hours, and special financing options. A Sam's Club basic membership costs $45 a year, while a Sam's Club Plus membership costs $100 per year, an extra $55.
Can I use my Sam's Club Plus member Mastercard anywhere? ›The Sam's Club Credit Card is designed to be used as a store card for purchases at Sam's Club and Walmart. The Sam's Club Mastercard can be used as a more general payment card and is accepted wherever Mastercard is.
Does gas count towards Sam's Club points? ›Using a Sam's Club Mastercard – cardholders earn 5% back in Sam's Cash™ on fuel, 3% on eligible purchases at Sam's Club for Plus Members, 3% on dining, and 1% on other eligible purchases.
What is the difference between Sam's Club Plus and regular membership? ›And what are the different kinds of membership levels? A standard Sam's Club membership is $45 per year, while the Sam's Plus membership is $100. Both membership levels come with one card (plus one complimentary household membership to share), as well as the opportunity to add on extra memberships for $40 a year.
Do Sam's Club Mastercard rewards expire? ›Sam's Cash does not expire, but you must remain an active Sam's Club member. If a Sam's Club membership ceases, the rewards may not be redeemed until such membership is reactivated.
How hard is it to get a Sam's Club Mastercard? ›The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.
What is an excellent credit card limit? ›
Adam McCann, Financial Writer
A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt.
Highest “Overall” Credit Limit: $500,000
The winners of the nosebleed award for the highest credit limit among cards for mere mortals are these twins: Chase Sapphire Preferred® Card and Chase Sapphire Reserve®, with annual fees in the mid-triple digits and high-double digits, respectively.
The easiest way you can redeem your Sam's Club® Credit Card rewards is by logging in to samsclub.com and choosing “Sam's Club Mastercard Cash Back” during checkout. You can also redeem rewards in-store at any register, self-checkout, or Scan & Go.
How many points is a Sam's Club hot dog? ›The original Bright Leaf Hot Dog is made with beef and pork and has only 8 grams of fat and three weight watcher points per dog. So you can have a great tasting hot dog without blowing your diet. This product is covered by the Sam's Club Member Satisfaction Guarantee.
How much is each Membership Reward point worth? ›This is simple: American Express Membership Points are worth exactly 1 cent apiece when booking flights or 0.7 cent if booking hotels through the issuer's portal. This math is made explicit when booking a flight or hotel while logged in. For example, a $210 flight will cost 21,000 points.
Which Sam's Club card is better? ›Earn 3% cash back at Sam's Club as a Plus Member
Your decision to apply for this card might come down to whether you're a Club or Plus member: The higher tier of membership (Plus) earns 3% cash back on Sam's Club purchases. Regular Club members only earn 1% cash back on Sam's Club purchases.
Does Costco or Sam's Club Have Better Prices? Overall, the prices at Costco tend to be cheaper. However, Sam's Club has a greater selection of name-brand products and a cheaper membership fee.
Is Sam's Club offering $8.00 membership? ›Just like our members, we also have a 'more the merrier attitude', so we're excited to be able to bring back our $8 membership offer and let more people discover the quality, convenience, and value that Sam's Club offers.
Can I use my Sam's Club Mastercard at any gas station? ›Sam's Club MasterCard may be used if the fuel center accepts these types of credit cards—check sign on pump or with station attendant for accepted cards. Walmart and Sam's Club gift cards can be used at Walmart or Sam's Club Fuel Centers.
Does Costco accept Sam's Club Mastercard? ›Sam's Club® Mastercard®
It won't work at Costco because it's a Mastercard and only Visa is accepted there. It also gives you 3% back on dining and takeout purchases, but only 1% back everywhere else, including purchases at Sam's Club.
Can you withdraw cash from Sam's Club Mastercard? ›
— Sam's Club Mastercard Cardholders still have access to cash through ATMs or at Banks branches/drive-thrus. — Cash advances on Sam's Club personal credit are not available at Walmart stores.
Is it worth it to get the Sam's Plus membership? ›Sam's Club Plus membership
In addition to getting all the benefits of a regular membership, Plus members earn 2% back — up to a maximum of $500 per year — on qualifying purchases. They also get free shipping with no minimum purchase online and select free prescriptions in the pharmacy.
Yes—most of our fuel stations are restricted to “Members Only”, and you must have a valid Membership to purchase fuel. However, a small number of our fuel stations are open to the general public and Members. These locations are either co-located with a Walmart Store or are required by law to be open for public use.
Do Sam's Club Plus members save on gas? ›Beyond shopping in bulk, a Sam's Club membership has exclusive benefits that might actually save you even more money than you expected — including lower fuel prices. The rise in the cost for gasoline still has many Americans across the United States searching for new ways to save money at the pump in 2023.
Can I use someone else's Sams card? ›Membership cards are non-transferable and are inclusive to card and household cardholders.
How much does it cost to renew a Sam's Club Plus membership? ›As a Sam's Club Member, you have multiple options and methods of payment available to renew your Membership. Renewal rates are the same as your join rate, $110 for Plus and $50 for a Club Membership. Sign in to your SamsClub.com account to check renewal date or renew online.
Does Sam's Plus work at Walmart? ›Sam's membership allows you to shop at Sam's Club and while there are some perks to the plus membership over the basic membership at Sam's it is of no use in Walmart as Walmart is a free to shop store.
Does Sam's Club Mastercard include membership? ›On top of that, you're limited to $5,000 in total cash back for the year. Must buy a Sam's Club membership to use the card at Sam's Club: Even though the Sam's Club Mastercard can double as a membership card at Sam's Club, you don't get automatic membership.
What are the benefits of Sam's Club Mastercard on gas? ›The Sam's Club Mastercard offers 5% back on your first $6,000 of gas purchases as Sam's Cash, which can be used for Sam's Club purchases or redeemed for cash in person at stores. And you get 5% rewards on purchases from any gas station, not just Sam's Club stations.
Can you get cash back on gas with Sam's Club Mastercard? ›5% cash back in Sam's Cash on gas anywhere Mastercard is accepted (on up to $6,000 spent per year, then 1% after). 3% cash back in Sam's Cash on Sam's Club purchases for Plus members. Club members earn 1% cash back. 3% cash back in Sam's Cash on dining and takeout.
What credit score do you need for a Sams Club business credit card? ›
You need a credit score of at least 700 to get the Sam's Club Business Credit Card. That doesn't guarantee that your application will be approved, but it can serve as a risk indicator to the credit card company. In other words, it shows how likely it is that you'll repay your debt.
What bank holds Sam's Club Mastercard? ›The Sam's Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.
Who does Sam's Club Mastercard report to? ›It reports to the three major consumer credit bureaus, TransUnion, Equifax, and Experian.
Is a $6,000 credit limit good? ›As such, if you have one of these cards, you might consider a $5,000 credit limit to be bad and a limit of $10,000 or more to be good. Overall, any credit limit of five figures or more is broadly accepted as a high credit limit.
Is $25,000 a high credit card limit? ›Yes, a $25,000 credit limit is good, as it is above the national average. The average credit card limit overall is around $13,000, and people who have higher limits than that typically have good to excellent credit, a high income and little to no existing debt.
How much should I spend if my credit limit is $5000? ›It might be good for your credit to spend about $500 on a card with a $5,000 credit limit each month.
Can I buy a car with a credit card? ›In general, car dealerships accept credit cards. You might even be able to use a card to buy a vehicle. However, it's more likely that the dealership will take a credit card for a down payment or a part of the down payment up to a certain amount. For you, using a credit card is a convenience or maybe a necessity.
How much should I spend if my credit limit is $1000? ›A good guideline is the 30% rule: Use no more than 30% of your credit limit to keep your debt-to-credit ratio strong. Staying under 10% is even better. In a real-life budget, the 30% rule works like this: If you have a card with a $1,000 credit limit, it's best not to have more than a $300 balance at any time.
Can you buy a home with a credit card? ›Key Takeaways. You can't buy a house using your credit card directly. You can buy a house with a credit card if you take a cash advance on a credit card and transfer those funds to a certified check.
How do I earn Sam's cash with my Sam's Club Mastercard? ›With a Sam's Club Mastercard®. Earn 5% back in Sam's Cash† on gas (first $6,000/year), 3% at Sam's Club for Plus members, 3% on dining and 1% on other purchases. With Bonus Offers. Just link an eligible card and earn at restaurants, shops and local faves.
What are the benefits of the Sam's Club World Elite Mastercard? ›
Sam's Club® Mastercard®
5% cash back on gas anywhere (up to $6,000) Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam's Club when they use their Sam's Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
- Log in to your online account with your user ID and password.
- Find the accounts page and click the rewards tab.
- Select your redemption option.
- Redeem your rewards.
Getting Food from the Sam's Club Cafe without a Membership
According to Sam's Club, you do not have to be a member to purchase items from the Sam's Club Cafe (food court), and there is not a 10% non-member service fee.
Those who know Sam's Club love it for their overall great wholesale prices and monthly deals, but even more so for Maker's Mark, Sam's Club's private label in-house brand.
How many points is a call off at Sam's Club? ›if you are absent and do not have enough ppto to cover that shift you will receive 1 whole point. if your are tardy you will receive . 5 a point. double points for missing a shift on holidays or special sales.
Are membership points better than cash back? ›If you travel often, you're likely to get more value out of a rewards card that offers points instead of cash back. But if traveling isn't your thing, or you value simplicity and low annual fees, a cash back credit card may be a better choice for you.
How much is 1,000 reward points worth? ›| Number of American Express Points | Average Value |
|---|---|
| 1,000 | $6.7 |
| 11,000 | $73.7 |
| 21,000 | $140.7 |
| 31,000 | $207.7 |
150,000 American Express points are worth about $1,005, depending on which American Express credit card you have and what you spend the points on. You will get the best value for your American Express points when you redeem them for Travel, but there are multiple redemption options.
Where can I use my Sam's Club Plus credit card? ›The Sam's Club credit card can be used only at Sam's Club and Walmart. The Sam's Club Mastercard can be used anywhere Mastercard is accepted and offers cashback rewards. Both cards come with no annual fees beyond a Sam's Club membership. Both cards are issued by Synchrony Bank.
How many cards can you get with a Sam's Plus membership? ›Three annual Membership cards – a personal card, a household member (over 18 years of age) card and a company card. Up to 8 add-on Memberships. (Business Plus Members can have up to 16 add-on Memberships.) Start your savings with a $15 Sam's Club Gift Card at signup.
Can you use Sams Plus card for gas? ›
Yes—most of our fuel stations are restricted to “Members Only”, and you must have a valid Membership to purchase fuel.
Can I use my Sam's credit card at Walmart gas station? ›The Sam's Club® Credit Card can be used anywhere Mastercard is accepted. That is pretty much anywhere, as Mastercard benefits from extensive worldwide acceptance. The Sam's Club® Store Card can also be used at Walmart locations in the U.S. and Walmart.com, but you won't be able to use it at Walmart Fuel Stations.
Can two people share a Sam's Club card? ›Membership cards are non-transferable and are inclusive to card and household cardholders. With a membership you are granted one primary membership card and another card for a spouse or member of your household 18 years of age or older.