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.

First, cardholders get a 1% base rate. That means 1% cash back on every purchase, whether at Sam’s or not. You also get 3% back on dining, a highly competitive rate in the category. Those who have the more expensive, $100 Sam’s Plus membership can enjoy a total 3% back on Sam’s Club purchases, though regular Club members will only get 1%.

Finally all Sam’s Club Mastercard® users get a whopping 5% back at U.S. gas stations up to the first $6,000 spent each year, and 1% thereafter. If you commute long hours or own a large gas-guzzler and reach that amount, that’s $300 of cash back each year, plus however much you earn with the other 1%.

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.

Read more articles like this at Money.com