Sam's Club® Mastercard®

Sam's Club® Mastercard®

Sam's Club® Mastercard®

Sam's Club® Mastercard®

Sam's Club® Mastercard®

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Card details

  • Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)

  • Earn 3% cash back Sam’s Club purchases for Plus members. Club members earn 1% cash back

  • Earn 3% cash back on dining and takeout

  • Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted

  • No annual fee

  • Doubles as your membership card

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-5%

  • Bonus offer

    Get $30 as a statement credit when you open a new account and make $30 in Sam's Club purchases within 30 days.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 14.90% - 22.90%, Variable

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual Fee

$0

Annual Fee

$95

Annual Fee

$0 intro for the first year, then $95

Regular APR

14.90% - 22.90%, Variable

Regular APR

15.99% - 22.99% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Intro APR

N/A

Intro APR

N/A

Intro APR

0% intro APR on Purchases for 12 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Rating details

4.6

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Bonus categories

  • New cardholder bonus offer

Cons
  • Must be a member/customer

  • Complicated rewards

  • Limited redemptions

  • Requires good/excellent credit

The Sam's Club® Mastercard® can be an excellent option for Sam's Club members at the "Plus" level, especially those who spend a lot on gas and dining out. The card offers:

• 5% back at eligible gas stations worldwide, including gas stations at Sam’s Club (on up to $6,000 spent per year, then 1%).

• 3% back on dining.

• 1% back on all other purchases.

• And for Sam's Club Plus members, up to 5% back on eligible purchases with the wholesaler (an unlimited 3% back via the card; and 2% back via the Plus membership tier, up to a total of $500 in rewards per year).

The card's annual fee is $0, but you’ll have to pay a minimum of $45 a year to maintain a Sam’s Club membership. And at that tier, you earn only 1% back on Sam's Club shopping.

(A Sam's Club Plus membership costs $100 per year.)

See NerdWallet’s full review to find out whether this card is right for you.