Are you considering the Sam’s Club® Mastercard®? Before you apply for the card, you'll want to learn some key facts about the offer and how it compares to others on the market.
In reviewing the card, our staff rated it a 4.1 out of 5.0.
This card is a bargain for Sam's Club Plus members. But it's surprising that regular club members only receive 1% back for in-store purchases; that seems like a general miss. You could save more on your Sam's Club purchases by using a different card.
Here's a rundown of the key features, rates, and terms of the Sam’s Club® Mastercard®:
Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.
Advertiser Disclosure
CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.
BEST OVERALL RATING
★★★★★
4.1
- Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%) plus 3% back on dining and takeout; all other purchases in 1% back in Sam's Cash
- Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1% cash back.
- Accepted at Sam’s Club and Walmart® nationwide
- Doubles as your membership card
- No annual fee
|
|
|
|
|
|
N/A
|
N/A
|
20.40% or 28.40%
|
$0
|
Good to Excellent
|
There's certainly a lot to like about the Sam’s Club® Mastercard®. Let's dive deeper into the card's rates and fees, as they could make or break whether owning the Sam’s Club® Mastercard® is right for you.
According to the issuer, the Sam’s Club® Mastercard® currently charges the following interest rates on purchases and balance transfers:
- Purchase Intro: N/A
- Balance Transfer Intro: N/A
- Regular APR: 20.40% or 28.40%
Here's the annual fee for the Sam’s Club® Mastercard® as listed by the issuer:
See site for details »
According to the issuer, the current general credit history requirement for the Sam’s Club® Mastercard® is:
- Credit Level: Good to Excellent
If you feel you have the credit needed for approval and you're ready to apply, you can do so online on the issuer's secure website.
Keep in mind that rates and features may change, so if you like what the Sam’s Club® Mastercard® is offering today, you may want to apply now to lock it in current terms before it's too late.
Below are all the ratings our team gives the Sam’s Club® Mastercard®, along with the card's ranking within each category. To see how it compares to other cards, simply click on the category name:
All told, our team's review of the Sam’s Club® Mastercard® resulted in a rating of 4.1 out of 5.0, as the card features many pros and cons for a potential cardholder to consider. Ultimately, it's up to you to determine if the card's benefits outweigh its possible drawbacks.
If you're ready to apply for the Sam’s Club® Mastercard®, here is the link the issuer's official application:
Are you ready to apply for the Sam’s Club® Mastercard® offer? Be sure to read up on all of its terms and details first, then apply via the provider’s secure website:
If you’d like to keep researching, you may want to try one of our popular guides to the top offers available. We break down a variety of offers, including many similar to Sam’s Club® Mastercard®:
Whether you decide on Sam’s Club® Mastercard® or another option, be sure to make all your payments on time and keep your balance below the credit limit.
Toby is the founder of CardRates.com and lends his 20 years of experience in the credit card industry to educate consumers. His commentary and reviews have been featured to millions on Yahoo! Finance, CreditCards.com, Entrepreneur.com, and others. Toby's industry connections enable him to keep audiences informed with timely advice and insight.
Our finance experts work hard to show you the best credit cards. Want to show your appreciation? Share this page!
