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

  • 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)

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

  • 3% back in Sam’s Cash on dining and takeout

  • 1% back in Sam’s Cash on other purchases

  • Accepted at Sam’s Club and Walmart® nationwide

  • No annual fee

  • Doubles as your membership card

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-5%

  • Bonus offer

    None.

  • Intro APR

    N/A

  • Ongoing APR

    APR: 15.65%-23.65%, 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

$99

Annual fee

$199

Regular APR

15.65%-23.65%, Variable

Regular APR

15.99%-24.99% Variable APR

Regular APR

N/A

Intro APR

N/A

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

3.6

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.