Credit Cards » Compare Credit Cards » Sam’s Club Mastercard vs Costco Anywhere Visa Card: How They Compare?
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Sam’s Club Mastercard vs Costco Anywhere Visa Card: 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.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

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

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

In the realm of wholesale clubs, Sam's Club and Costco stand as titans, offering a vast array of products at competitive prices. To further enhance the shopping experience, both clubs offer co-branded credit cards that provide enticing rewards and benefits.

While the two cards share some similarities, there are key distinctions that can influence your choice.

General Comparison: Sam’s Club vs. Costco Card

The Sam's Club Mastercard offers an enticing rewards structure, which is much more attractive if you're a Sam's club Plus member. The Sam's Club Mastercard requires a Sam's Club membership, which starts at $50 annually for a Club membership and $110 annually for a Plus membership.The cash-back rate on gas is one of the highest in the market. 

Both cards don't charge an annual or foreign transaction fee. Costco Anywhere Visa, designed for pragmatic spenders, stands out with substantial cashback rewards on crucial expenditures such as gas, dining, and Costco shopping. 

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

Sam's Club® Mastercard®

Costco Anywhere Visa Card
Sam's Club Mastercard
Annual Fee
$0 ($60 Costco membership fee required)
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
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
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
$50 statement credit when you open a new account and make $50 in Sam's Club purchases within 30 days
0% Intro APR
N/A
N/A
Foreign Transaction Fee
$0
N/A
Purchase APR
20.49% (Variable)
19.90% or 27.90% Variable
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Sam's Club vs. Costco Cashback: Which Card Gives More?

Assuming all supermarket and gas purchases are made via Costco or Sam's Club – there is no significant difference between the cashback on both cards. Both cards offer a nice cash-back rewards, while Sam's Club higher cashback rate on its retail chain (for Plus members) are a bit higher than Costco.

Costco credit card rewards certificate status
Costco credit card rewards certificate status (Screenshot from Citi app)

Another thing to remember is that the Costco cash back will be issued as an annual credit card reward certificate, accessible once your February billing statement concludes. This certificate is redeemable for either cash or merchandise at Costco Warehouses across the United States.

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

Sam's Club® Mastercard®

Spend Per Category
Costco Anywhere Visa Card
Sam's Club Mastercard
$15,000 – U.S Supermarkets
$300
$450
$5,000 – Restaurants
$150
$150
$4,000 – Travel
$120
$40
$4,000 – Gas
$160
$200
Estimated Annual Cashback
$730
$840

* Assuming all supermarkets/gas purchases made via Costco/Sam's Club

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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.
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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.

Additional Benefits: Comparison

When it comes to extra benefits,  there are no special shopping benefits. The Costco card offers a variety of protections, which is not available with Sam's club credit card. 

Keep in mind that the extra benefit of Sam's Club is available only for Plus members.

Costco Anywhere Visa Card

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

  • Damage & Theft Purchase Protection: Costco's Citi card offers coverage for damaged or stolen purchases, providing potential repairs or refunds within 120 days of acquisition, offering peace of mind for cardholders.
  • Travel & Emergency Assistance: Costco cardholders benefit from 24/7 services, ensuring assistance with emergency travel arrangements, travel issues, medical and legal referrals, and more, enhancing their travel experience.
  • Roadside Assistance Dispatch Service: With coverage across the U.S. and territories, Costco's Citi card provides a Roadside Assistance Dispatch Service, ensuring prompt help for cardholders facing car troubles during their journeys.
  • Citi Entertainment℠: Elevating experiences, Citi Entertainment provides exclusive access to presale tickets and special events, enhancing the entertainment options available to Costco cardholders.
  • $0 Liability on Unauthorized Charges: Costco's consumer card ensures complete protection against unauthorized charges, relieving cardholders of responsibility for any unauthorized online or other charges.
Sam's Club Mastercard

Sam's Club® Mastercard®

The Sam's club MasterCard doesn't offer extra benefits unless you have a Plus member – which costs $110 annually. Only cardholders with a plus membership can also get the following:

  • Early Shopping: Gain exclusive access to select online events before the crowds.
  • 20% Off a Pair of Glasses: Enjoy a significant discount on eyewear, coupled with complimentary shipping on contact lenses.
  • Free Shipping: Benefit from free shipping on the majority of items when shopping online or through the Sam’s Club app.
  • Free Curbside Pickup: Simplify your shopping experience with the convenience of curbside pickup, including assistance in loading your car.
  • Free Select Generic Prescriptions: Access over 600 generic prescriptions at $10 or less and enjoy discounts on brand-name drugs.
  • Earn 2% Sam’s Cash™: Receive cashback on in-club purchases, with the opportunity to earn up to $500 a year.
  • Same-Day Delivery: Opt for same-day delivery at a minimal cost of $8 with Sam's Club Plus, available when you order by 1 pm.

When You Might Prefer The Costco Credit Card?

Here are some situations where you might prefer the Costco Anywhere Visa Card over the Sam's Club Mastercard:

  • Frequent Costco Shopper: If you are a regular Costco member and a significant portion of your spending occurs at Costco, the Costco Anywhere Visa Card is tailored to reward your loyalty with higher cashback percentages on Costco purchases.
  • You travel often. The Costco Anywhere Visa Card earns 2% cash back on all travel purchases, including hotels, airfare, and car rentals. This is a higher cashback rate than the Sam's Club Mastercard's 1% cashback rate on all other eligible purchases.
  • You Want Extended Warranty and Damage Protection: The Costco Anywhere Visa Card provides additional benefits such as extended warranty and damage protection on eligible purchases, which could be valuable for those who make significant purchases with their credit card.
Citi Costco credit card dashboard
Citi Costco credit card dashboard (Screenshot from Citi app)

When You Might Prefer The Sam's Club Mastercard?

Here are scenarios in which you might prefer the Sam's Club Mastercard over the Costco Anywhere Visa Card:

  • Frequent Sam's Club Shopper: If you are a regular Sam's Club member and do a significant portion of your shopping there, the Sam's Club Mastercard might be more beneficial. It offers cashback rewards, including 5% on gas, which can be particularly advantageous if you often fuel up at Sam's Club.
  • You Spend A Lot On Gas: The Sam's Club Mastercard is especially appealing if you spend a substantial amount on gas. With 5% cash back on gas purchases, it outshines the Costco Anywhere Visa Card in this category.
  • You're a Sam's Club Plus member. The Sam's Club Mastercard offers 5% cash back on Sam's Club purchases for Plus members, which is the highest cashback rate available for Sam's Club shopping.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
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
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your 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 platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
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
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
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
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare The Alternatives

If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:

target red card

Apple card

amazon prime visa

Target Red Card
Apple Credit Card
Amazon Prime Rewards Visa Signature Card
Annual Fee
$0
$0
$0 ($139 Amazon Prime subscription required)
Rewards
1% – 5% 5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
1% – 3% 3% cash back at Apple and select Apple pay partners, 2% on other Apple pay purchases, and 1% on all other purchases
1-5% 5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
Welcome bonus
None
N/A
$100 $100 Amazon gift card upon approval
Foreign Transaction Fee
$0
$0
$0
Purchase APR
29.95% (Variable)
15.49% – 26.49% variable
19.24% – 27.24% Variable

Compare Costco Anywhere Visa Card by Citi

Both can be a perfect choice if you're looking for a store card. What are the main things you should know before applying, and how much can you save? Here's our analysis.

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Costco Anywhere Visa Card by Citi vs Apple Card: Which Card Is Best?

Costco is a clear winner when it comes to rewards for everyday spending, but the Best Buy Card wins for gadget lovers. Here's our comparison.

My Best Buy Visa vs Costco Anywhere Visa Card: How They Compare?

The Amazon Prime Visa card offers high cashback for avid online shoppers. However, Costco is the winner when it comes to everyday spending.

Amazon Prime Visa vs Costco Anywhere Visa Card: Comparison

The Costco Card is a great for Costco shoppers, gas and grocery purchases, while the Freedom Unlimited stands out for its travel benefits.

Costco Anywhere Visa Card vs Chase Freedom Unlimited: Comparison

BJ's One+ Mastercard our winner when it comes to cashback, but Costco card offers flexibility and many categories with higher cashback ratio.

BJ's One+ Mastercard vs Costco Anywhere Visa Card: How They Compare?

If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.

Target Red Card vs. Costco Anywhere Visa Card: How They Compare?

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?

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.

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Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
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
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
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
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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.

Credit Card Reviews Methodology

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.