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Good Sam Credit Cards Review

Good Sam Credit Cards Review

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Apr 23, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

If your idea of a good time is taking your RV out on the open road and discovering someplace new, you might already be familiar with the Good Sam Club, a global organization of recreational vehicle owners.

Good Sam offers products and services, such as roadside assistance, RV loans and more. Its family of brands includes Camping World and Gander Outdoors, and Good Sam membership also comes with camping and propane discounts, as well as fuel discounts at select Pilot Flying J locations and additional benefits.

There are two Good Sam credit cards, the Good Sam Rewards Visa® Credit Card and the Good Sam Rewards Credit Card, both issued by Comenity. We’ll review the pros and cons of each card, as well as offer up two alternative cards you may to consider that can also help offset fuel costs.

Good Sam credit cards pros

Rewards. Both cards offer the opportunity to earn points at a generous rate. 

With the Good Sam Rewards Visa® Credit Card : Earn 5 points per $1 at the Good Sam family of brands, 3 points per $1 at private campgrounds and gas stations, and 1 point per $1 everywhere else Visa is accepted. And for the first 90 days, there’s a nice boosted earning rate at select gas stations and private campgrouds. Redemption options include statement credits, Good Sam memberships and retail, restaurant, and gas gift cards. Plus, there’s a sign-up bonus: Earn 2,000 bonus points the first time you use your card for a purchase within 90 days of account opening.

For the Good Sam Rewards Credit Card: Earn 5 points per $1 at the Good Sam family of brands. Get a $10 reward certificate for every 1,500 points you earn.

No annual fee. Neither card charges an annual fee.

Good Sam credit cards cons

Low redemption value. It takes 1,500 points for a $10 reward certificate. That means each point is worth a bit more than half a cent — about 0.67 cents each, to be specific.

Points expire. Your points expire 36 months after the date they post to your rewards balance.

High APR on the Good Sam Rewards Credit Card. The interest rate for this card is 28.49% variable. Don’t carry a balance, or you’re likely to find yourself facing some expensive interest charges.

The Good Sam Rewards Visa® Credit Card offers a more reasonable APR range of 15.49%- 26.49% variable.

Limited use on the Good Sam Rewards Credit Card. If Good Sam is your go-to for all your RV needs and you’re a regular at Camping World and Gander Outdoors, you might be fine with this store card. But most consumers will probably get more value from a card that can be used anywhere.

Alternative credit cards for fuel rewards

Blue Cash Preferred® Card from American Express

Apply Now

on American Express's secure site

Terms and Conditions apply

Rates & Fees

  • $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.*

  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions and 1% Cash Back on other purchases.

  • 1% back on other purchases*

Highlights
  • Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%.
  • Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • $95 Annual Fee.
  • Terms Apply.
  • See Rates & Fees

See additional details for Blue Cash Preferred® Card from American Express

More Info

If you’re a fan of Good Sam, Camping World and Gander Outdoors, a Good Sam credit card might be the right card for your wallet. But if you’re looking to earn a higher rewards rate on fuel purchases, a better card might be the Blue Cash Preferred® Card from American Express or the Wells Fargo Propel American Express® card. Here’s how they compare:

 Good Sam Rewards Credit CardGood Sam Rewards Visa® Credit Card Blue Cash Preferred® Card from American ExpressWells Fargo Propel American Express® card
Sign-up bonusNoneEarn 2,000 bonus points the first time you use your card for a purchase within 90 days of account opening.Earn a $250 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
RewardsEarn 5 points per $1 at the Good Sam family of brands.Earn 5 points per $1 at the Good Sam family of brands, 3 points per $1 at private campgrounds and gas stations, and 1 point per $1 everywhere else Visa is accepted.6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions and 1% Cash Back on other purchases. 3% Cash Back on U.S. gas stations and transit (e.g., taxis/rideshare, parking, tolls, trains, buses and more).Earn 3X points on eating out, ordering in and popular streaming services, 3X points on gas stations, rideshares and transit, and 3X points on travel including flights, hotels, homestays and car rentals. Earn 1X points on other purchases.
Annual fee$0None$95$0
Regular purchase APR28.49% variable15.49%- 26.49% variable13.99%-23.99% variable14.49% to 24.99% (variable)

To see rates & fees for Blue Cash Preferred® Card from American Express please click here.

While the Blue Cash Preferred® Card from American Express charges a $95 annual fee, you can recoup that amount if you spend $1,584 a year in the 6% categories. Plus, this card offers the highest cashback rate we’ve found on supermarket shopping, and cashback rate on gas purchases is nothing to sneeze at either. So, if you need to fill up your tank and then stock up on groceries for a road trip or camping trip, the Blue Cash Preferred® Card from American Express can put some cash back in your pocket.

The Wells Fargo Propel American Express® card offers a strong rewards rate in a variety of categories, for a $0 annual fee. If you’re taking your RV out on the road and want to stop for gas, then get a bite to eat at a nearby roadside diner, this card can reward you handsomely for both of those purchases. And each point is worth 1 cent when redeemed.

Finally, the welcome offers on both the Blue Cash Preferred® Card from American Express and the Wells Fargo Propel American Express® card are significantly more generous than that of the Good Sam Rewards Visa® Credit Card — assuming you can meet the spending requirements.

Is a Good Sam credit card right for you?

For lovers of the outdoors who like the products, services and discounts offered by Good Sam, and who enjoy shopping for gear at Camping World and Gander Outdoors, the Good Sam Rewards Visa® Credit Card and the Good Sam Rewards Credit Card might work well. But if you’re not dedicated to these brands, a general-use card that rewards gas purchases and other spending categories could be a better choice. See our article on the best gas rewards cards for recommendations.


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