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

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

Choosing between the Sam's Club Mastercard and the Walmart Rewards Mastercard involves a nuanced evaluation of rewards, benefits, and personal shopping habits. Both credit cards cater to the retail giant's customer base, offering perks for frequent shoppers.

Sam’s Club vs. Walmart Card: General Comparison

The rewards structure of the Sam's Club Mastercard is notable, especially for Sam's Club Plus members. To access the benefits, a Sam's Club membership is necessary, with the Club membership starting at $50 annually and the Plus membership at $110 annually. Notably, the cash-back rate for gas on this card ranks among the highest in the market.

On the other hand, the Walmart Rewards Mastercard focuses its rewards on Walmart-related spending. Cardholders earn 5% back on Walmart.com purchases, including grocery pickup and delivery, and 2% back on in-store purchases. This card might be a more lucrative option for those whose primary spending revolves around online, not in-store purchases.

Capital One® Walmart Rewards® Card

Sam's Club® Mastercard®

Capital One Walmart Rewards Card
Sam's Club Mastercard
Annual Fee
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
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
5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
$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
Unknown
N/A
Purchase APR
17.99% – 28.99% (Variable)
19.90% or 27.90% Variable
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Read Review
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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.
Top Offers From Our Partners

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.
Top Offers From Our Partners

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.

Cashback Analysis: Sam’s Club vs. Walmart Card

Assuming all supermarket and gas purchases are made via Walmart.com or Sam's Club (for Plus members)  – the Walmart card will drive you more cash back. 

Capital One® Walmart Rewards® Card

Sam's Club® Mastercard®

Spend Per Category
Capital One Walmart Rewards Card
Sam's Club Mastercard
$15,000 – U.S Supermarkets
$750
$450
$5,000 – Restaurants
$100
$150
$4,000 – Travel
$80
$40
$4,000 – Gas
$80
$200
Estimated Annual Cashback
$1,010
$840

* Assuming all supermarkets/gas purchases made via Walmart.com/Sam's Club

Additional Benefits: Comparison

When it comes to extra benefits,  the Sam's Club offers attractive benefits but only if you have a Plus membership and not a regular membership club. The Walmart card extra benefits are minor.

Capital One Walmart Rewards Card

Capital One® Walmart Rewards® Card

  • Security Alerts: Receive text, email, and phone notifications from Capital One® if potential suspicious activity is detected on your account.

  • $0 Fraud Liability: In the event of a lost or stolen card, you won't be held responsible for any unauthorized charges, providing a safeguard against financial loss.

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 Walmart Rewards Card?

Consider opting for the Capital One Walmart Rewards Mastercard over the Sam's Club Mastercard in the following scenarios:

  • Online Shopping Emphasis: If you frequently make online purchases, especially through Walmart.com, the Capital One Walmart Rewards Mastercard's 5% cash back on such transactions can make it a more attractive choice for maximizing rewards.
  • You Spend More On Restaurants And Travel: The Capital One Walmart Rewards Mastercard offers a competitive 2% cash back on restaurants and travel, which can be beneficial if these categories are significant parts of your spending.
  • You Want A Variety Of Redemption Options: You can easily redeem your Walmart Rewards with the Capital One Walmart Rewards® Card. Choose to receive cash back through a check or apply it as a statement credit. Use your rewards to cover recent purchases made with the card or opt for gift cards from Walmart or other retailers. Additionally, you can redeem rewards for travel, offsetting expenses related to trips and travel purchases made using the card.
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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.
Top Offers From Our Partners

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.
Top Offers From Our Partners

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.

When You Might Prefer The Sam's Club Mastercard?

Consider opting for the Sam's Club Mastercard over the Capital One Walmart Rewards Card if you fall into these scenarios:

  • Frequent Sam's Club Shopper: If you regularly shop at Sam's Club and hold a membership there, the Sam's Club Mastercard offers enticing cashback rewards, including 5% on gas, making it a more advantageous choice for dedicated Sam's Club customers.

  • High Gas Expenditure: If you consistently spend a significant amount on gas, the Sam's Club Mastercard stands out with its 5% cash back on gas purchases, making it a more lucrative option compared to the Capital One Walmart Rewards.

  • Sam's Club Plus Membership: For Sam's Club Plus members, the Sam's Club Mastercard presents an even more attractive option, offering a remarkable 5% cash back on Sam's Club purchases, providing the highest cashback rate available for Sam's Club shopping.

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 Capital One Walmart Rewards Card

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.

Costco Anywhere Visa vs Capital One Walmart Rewards Card: Which Card Is Best?

Both the Prime Visa and the Capital One Walmart card offer similar cashback rewards ratios. Here's why Walmart is our winner:

Prime Visa vs: Capital One Walmart Rewards: How They Compare?

Compare Sam’s Club Mastercard

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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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:
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Welcome Bonus:
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amex brilliant

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Amex Delta SkyMiles Platinum card

Rewards Plan:
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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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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:
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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.

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