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Sams Club® Mastercard®

Sams Club® Mastercard®


Rated 3/5 stars by our editorial team

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  • Credit Needed Good
  • APR 16.65% or 24.65% Variable
  • Intro APR N/A
  • Balance Transfer APR 16.65% or 24.65% Variable
  • Balance Transfer Intro APR N/A
  • Cash Advance APR 16.65% Variable
  • Annual Fee $0
  • Cash Advance Fee 3%
  • Foreign Exchange Fee 3%
  • Rewards Details 5% cash back on gas (on first $6,000 per year in purchases, then 1%), 3% on dining and travel, and 1% on other purchases (maximum of $5,000 in cash back rewards in a calendar year)
  • Signup Bonus Save $45 when you open a Sam’s Club consumer credit card account online and make a $45 purchase at on the account the same day. Offer expires 8/31/2018.


  • Click "APPLY NOW" to apply online
  • 5% cash back on gas
  • 3% cash back on dining and travel
  • 1% cash back on other purchases
  • Use wherever MasterCard is accepted
  • Doubles as your membership card

Expert Reviews

From the Editorial Team

The Sam’s Club Mastercard, which also doubles as your Sam’s Club membership card, offers generous ways to earn cash back – especially for gasoline, travel, and dining.

Expert Reviews of the Sams Club® Mastercard®

  • 3.0

    Regular APR

  • 0.0

    Intro APR

  • 3.0


  • 4.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The card offers Sam’s Club members strong rewards for gasoline purchases, and also generous rewards for dining and traveling. There are some restrictions on how much you can earn, though, and outside of those three categories the cash back is not that generous, at only 1%.

The Good

There is no annual fee and you can earn 5% cash back on gasoline purchases, 3% back on dining and travel purchases, and 1% back on everything else – at Sam’s Club or elsewhere.

The Not So Good

The purchase APR is 14.90% or 22.90%, depending upon your credit worthiness, so those with not-so-good credit face a rather steep APR. Your ability to earn 5% cash back on gasoline is limited to purchases of $6,000 per year. If you buy more gasoline than that then purchases over that $6,000 cap earn only 1% cash back for the rest of that year.
Also, a maximum of $5,000 in Cash Back rewards can be earned in a calendar year. Cash back checks are only issued each February for the cash back earned during the previous calendar year, and that delay could be inconvenient.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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