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Awarded Best for Gas Cash Back Credit Card 2 years in a row!

So many credit card benefits.

Card Benefits

Sam’s Club®
World Elite Mastercard®

(Plus member)

Sam’s Club® Mastercard®

(Club member)

Sam’s Club® Credit Card

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

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

Earn 3% back in Sam’s Cash on dining and takeout.*

Earn 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.

Accepted worldwide wherever Mastercard is accepted.

Zero foreign transaction fees.

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

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

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

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

Earn 3% back in Sam’s Cash on dining and takeout.*

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

Earn 1% back in Sam’s Cash on other purchases.*

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

Accepted at Sam’s Club and Walmart® nationwide.

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

No annual fee.

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

Doubles as your membership card.

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

Accepted worldwide wherever Mastercard 
is accepted.

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

Zero foreign transaction fees.

Sam’s Club®
Mastercard®
Sam’s Club®
Credit Card

See if you prequalify for a Sam’s Club® Mastercard® or a Sam’s Club Personal Credit Card.

Get a decision in seconds with no impact to your credit bureau score.

Sam’s Club® Mastercard® benefits.

You can earn Sam’s Cash on the following categories.*

  • 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%.*
  • 3% back in 
Sam’s Cash on dining and takeout.*
  • 1% back in 
Sam’s Cash on other purchases.*

Sam’s Club Personal Credit Card benefits.

Sam’s Cash is not earned, but has these benefits available.
  • No annual fee.
  • Also accepted at Walmart® nationwide and online.
  • Doubles as your membership card.

When you see if you prequalify, you will first be considered for the Sam’s Club® Mastercard.® If you do not prequalify for the Sam's Club Mastercard, you will then be considered for a Sam’s Club® Personal Credit Card.

Prequalify Now

Best for Gas: Sam’s Club Mastercard

HIGHLIGHTS

  • Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).*
  • Earn 3% back in Sam’s Cash on dining and takeout.*
  • Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1%.*
  • Earn 1% back in Sam’s Cash on other purchases.*

Why we chose it: Plain and simple, no other card offers 5% back on gas like the Sam’s Club Mastercard® does — this, in addition to other great benefits, makes it a great option for avid Sam’s Club shoppers.

The Sam’s Club Mastercard® is not just for wholesale shopping fans as it also offers benefits outside the store. Its rewards program includes the following cash back categories:

  • 5% at U.S. gas stations up to the first $6,000 spent (1% thereafter)
  • 3% on dining and takeout
  • 3% on Sam’s Club purchases for Sam’s Plus members
  • 1% on all other qualifying purchases
  • Cardholders can earn a maximum of $5,000 in Sam’s Cash in a calendar year

The card’s 5% back at U.S. gas stations is the highest among its kind. If you commute long hours or drive a gas-guzzler, that’s $300 of cash back each year, in addition to what you’ll earn at the 1% rate after that first $6,000 you spend.

You can use all this cash back to pay at any Sam’s Club, both at the register or through the mobile app, or redeem it for actual cash at the cash register.

Having said that, the lackluster introductory offer, the lack of any travel or 
purchase insurance and the need to be a Sam’s Club member are definite drawbacks. However, if you live near Sam’s major competitor, check out the Costco Anywhere Visa® Card by Citi, which offers 4% on gas up until the first $7,000 spent, and 1% afterwards.

All information about the Sam’s Club® Mastercard® has been collected independently by Money.com.

Read more articles like this at Money.com

Shop SamsClub.com

Use your Sam’s Club Mastercard to make purchases and watch your Sam’s Cash™ add up.*
Shop Now

Not a Sam’s Club member yet?

Join today for premium quality, amazing perks and members-only prices.
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Learn about Sam’s Cash.

Learn More

*Subject to credit approval. See the “How to Earn Sam’s Cash with your Sam’s Club Mastercard” reward program terms for details.

For new accounts: Variable Purchase APR is 19.90% or 27.90% Minimum interest charge is $2.00 for both cards. All APRs are accurate as of January 1, 2023 and will vary with the market based on the Prime Rate (as defined in your credit agreement).

The Sam’s Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, World Elite Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.