Credit Cards » Credit Card Reviews » Sam’s Club Mastercard Credit Card: 2024 Review
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Sam’s Club Mastercard Credit Card: 2024 Review

The Sam's Club Mastercard is a great card for Sam’s Club shoppers. It has very competitive cashback rewards and benefits in some spending categories. The 3% cash back on travel rewards is better than most travel rewards credit cards on the market.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Andrew O'Malley
Andrew O'Malley

Writer, Contributor

Experience

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

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Sam's Club Mastercard

Sam's Club® Mastercard®

Rewards Plan

1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases

Sign up Bonus

None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days

Credit Rating

4
4/5

0% Intro

N/A

Annual Fee

$0 ($50/$110 for Club/Plus membership – MUST)

APR

20.40% or 28.40% Variable

Sam's Club Mastercard

Sam's Club® Mastercard®

Rewards Plan

1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases

Sign up Bonus

None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days

Our Rating

4
4/5

PROS

CONS

APR

20.40% or 28.40% Variable

Annual Fee

$0 ($50/$110 for Club/Plus membership - MUST)

0% Intro

N/A

Credit Requirements

Good - Excellent

Tailored for Sam’s Club patrons, the Sam’s Club Mastercard stands out with its competitive cashback incentives and advantages in specific spending categories.

Sam’s Club Mastercard offers 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases. 

The card does not have a foreign transaction fee or annual fee as long as you are a Sam’s Club member (Membership starts at $45 a year). This card can be used anywhere Mastercard is accepted, not just at Sam’s Club. 

Despite notable gas rewards, potential users should weigh drawbacks such as limited upfront value with a modest welcome offer, absence of an introductory APR, mandatory Sam’s Club membership, capped rewards, and in-store redemption constraints.

How's The Sam's Store Network?

Sam’s Club has millions of members and 600 locations across the USA. While this isn’t as widespread as some other brand networks, if you have a Sam’s Club in your area and enjoy shopping there, this card could be of benefit to you.

How Hard Is It To Get This Card?

You will need to have good to excellent credit to qualify for a Sam’s Club Mastercard. You will also need to be a Plus card member, which will support your application.

When Should You Consider It?

As a branded mastercard, this card is heavily weighted towards Sam’s Club. So, if you’re already a Plus member and tend to shop regularly at your local store, this could be a good card option for you.

When Shouldn't You Consider It?

Obviously, if you don’t have a Sam’s Club in your area or you infrequently visit your local store, this is not the right card for you. There are other reward card options with grocery and warehouse club tiers that offer similar rewards, yet also support other purchases, which could be a better choice.

In This Review..

Pros & Cons

Let’s take a look at the pros and cons of the Sam’s Club Mastercard and see if it’s the right one for your wallet or not.

Pros
Cons
Gas And Dining Cash Back Rewards
Membership Requirement
No Foreign Transaction Fee
Rewards Cap
Generous Sam’s Club Rewards for Plus Members
Weak Store-Specific Perks
No Annual Fee
No 0% Intro APR

Sam’s Club Mastercard has 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases.

Sam’s Club Mastercard does not have a foreign transaction fee. This is unusual for a non-travel rewards card. 

This is a great perk because you can earn cash back on your travel expenses.

Plus members can earn a substantial 3 percent cash back on eligible Sam’s Club purchases, combining with the 2 percent earned as Plus members for a total of 5 percent in Sam’s Cash.

Sam’s Club Mastercard does not have an annual fee as long as you are a Sam’s Club member. Membership starts at $45 a year. 

You can start earning cash back immediately.

Unlike some competitors, the card lacks additional store-specific perks beyond accelerated rewards, potentially diminishing its overall value proposition.

There are spending caps on bonus categories like gas and dining, limiting the total cash back potential to $6,000 per year.

A Sam’s Club membership is a prerequisite to apply for the card, starting at a minimum annual cost of $45, potentially limiting accessibility for non-members.

Sam’s Club Mastercard doesn't offer 0% APR introductory as many other cards, so if you plan a big purchase or you carry debt, it's not the right card for you.

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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

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Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

How It Compared To Other Store Credit Cards?

The Sam’s Club Mastercard is a strong contender for individuals heavily invested in Sam’s Club and those who prioritize gas rewards.

However, for a more diversified shopping experience and potentially higher upfront benefits, other store credit cards like the Walmart, Amazon, Target, Macy's, and Costco offerings might be worth exploring based on individual spending preferences and priorities.

When comparing with Costco, Sam's Club offer higher cashback on both Sam's club and gas, makes it particularly appealing to frequent drivers. Unlike the Costco card, the Sam’s Club Mastercard doesn't exclude other store-branded gas stations from its gas rewards category, providing additional flexibility for users.

However, Walmart and Target offers higher cashback on its own brand with up to 5% cash back, lower than what you can get with Sam's club. They also have additional bonus categories, similar to Sam's club. However, these cards offer more substantial welcome bonuses or ongoing benefits such as free shipping, which may be a good incetine for specific customers.

In contrast, the Macy's Amex card focuses on the department store experience, providing elevated rewards for Macy's purchases. While Sam’s Club offers offer versatile rewards, the Macy's Amex card also offers a broader range of benefits like dining and gas rewards – but with a lower rewards ratio compared to Sam's club.

Is the Sam's Club Mastercard Right for You?

The Sam’s Club Mastercard is a great card for Sam’s Club shoppers. It has very competitive cashback rewards and benefits in some spending categories. Cardholders that spend a lot on gas each year will benefit the most from this card. This card is also great for those who do a lot of traveling. The 3% cash back on dining is not common among store cards.

The biggest drawback to the Sam’s Club Mastercard is you have to wait a year for your cash back, and it can only be redeemed at Sam’s Club. 

If you are not a Sam’s Club member, you would want to pass on this card. There are better cashback cards. Sam’s Club Mastercard rewards are straightforward and easy to understand and most Sam’s Club members would benefit by owning this card.

Compare The Alternatives

If you're looking for a store credit card – the Sam's Club is definitely a good option, but there are some good alternatives:

Citi-costco-anywhere-visa-credit-card review

best buy credit card

Sam's Club® Mastercard®

Costco Anywhere Visa® Card by Citi
Best Buy Visa Card
Sam's Club® Mastercard®
Annual Fee
$0 ($60 Costco membership fee required)
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
1-4% 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
1-5% 5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
1-5% 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
None None
None 10% back in rewards on your first day of purchase
None $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Foreign Transaction Fee
$0
N/A
N/A
Purchase APR
20.49% (Variable)
15.99% – 31.49% variable
20.40% or 28.40% Variable

FAQ

There is no official guidance about what credit limit you can expect when you’re approved for a Sam’s Club Mastercard. However, current and previous customers have reported initial credit limits of $1,000 to $10,000. Your actual credit limit will depend on a number of factors including your income and employment status.

The Sam’s Club is obviously weighted towards this brand. So, if you want to maximize your rewards, make sure that you reach the spending cap for gas purchases, at $6,000 per year.

You’ll also earn high cashback  on Sam’s Club purchases, so explore the aisles and aim to make as many of your everyday purchases at the store rather than using other brands.

When you apply for a Sam’s Club Mastercard, you may get instant approval. In other cases, you may need to wait a day or two for your approval decision. Upon approval, you should expect your card within 7 to 10 days.

Sam’s Club has a phone line to contact the customer support team, which is available seven days a week. It is open 7 am to 11 pm Monday to Saturday and Sunday 10 am to 8 pm CST. There is also a chat function available during the same hours.

Compare Sam’s Club Mastercard

Both Sam's Club and Walmart cards cater to the retail giant's customer base, offering perks for frequent shoppers. Here's our comparison

Sam’s Club Mastercard vs Walmart Rewards Mastercard: How They Compare?

In the realm of wholesale clubs, Sam's Club and Costco stand as titans. Which of them offers a better branded credit card? Here's our verdict.

Sam's Club Mastercard vs Costco Anywhere Visa Card: Which Card Is Best?

If you do all your grocery and fuel shopping at either Target or Sam's Club, the cashback you get from both credit cards is pretty similar.

Sam’s Club Mastercard vs Target Red Card: How They Compare?

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The product offers that appear on this site are from companies from which this website receives compensation.
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Welcome Bonus:
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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Rewards Plan:
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Welcome Bonus:
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2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
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Welcome Bonus:
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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Picture of Andrew O'Malley

Andrew O'Malley

Andrew O’Malley has a BSc in Economics and Finance. He has worked in the finance industry as a risk analyst and is now pursuing a career in writing. In recent years, he has written for a number of leading publications. He studied Economics and Finance and has been fascinated with the financial markets since his teens.
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Rewards Plan:
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Welcome Bonus:
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Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

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Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

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Rewards Plan:
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Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.