Sam’s Club Mastercard Review: Great for Gas and Premium-Tier Sam’s Members

It offers rich rewards on gas, EV charging and dining, and Sam's Club 'Plus' members can also earn a high rate on shopping with the wholesale club. But the card is less appealing for lower-tier Sam's Club members.
Jun 27, 2022

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Our Take

3.6

NerdWallet rating 
The bottom line:

It's worth considering if you're a Sam's Club "Plus" member. But if you're only a "Club"-level member, you won't get any bonus rewards for using it at the store. Other less-complicated cash-back cards may work better for you.

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Synchrony Bank Sams Club Mastercard Credit Card
Sam's Club® Mastercard®
Annual fee
$0
Regular APR
17.15%-25.15%, Variable
Intro APR
N/A
Rec. credit score
690-850 (Good - Excellent)

Methodology

NerdWallet reviews credit cards with an eye toward both the quantitative and qualitative features of a card. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. Qualitative factors are those that affect how easy or difficult it is for a typical cardholder to get good value from the card. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. Learn how NerdWallet rates credit cards.