The Ultimate Guide to Credit Cards
Thursday, June 8, 2023

Sam’s Club® Mastercard® Review

"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."
- Toby Sembower,
Advertiser Disclosure
Sam’s Club® Mastercard® Review

at the issuer'ssecure website





  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
20.40% or 28.40%
Good to Excellent

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Best Overall
Cash Back
(Ranked #45 out of 52)
Gas Rebate
(Ranked #15 out of 29)

Advertiser Disclosure 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 (including, for example, the order in which they appear). 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.

Alternatives to Sam’s Club® Mastercard®

Be sure to visit the official website for Sam’s Club® Mastercard® to learn complete details about its features and terms. If you’re not quite sure if Sam’s Club® Mastercard® is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Sam’s Club® Mastercard® offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.