Sam’s Club® Mastercard®
- Best for: Sam’s Club shoppers who buy a lot of gas, current members most of all; new members whose gas runs $250 to $750 a month
- Gas: 5% at almost any gas station and on electric vehicle charging on the first $6,000 a year, then 1%
- What Sets It Apart: 5% on gas with no annual fee beyond the membership; up to 5% at Sam’s Club for Plus members, counting their membership’s own 2%
- Cost: $0 annual fee with a Sam’s Club membership ($60 or $120 a year); 20.40% or 28.40% variable APR
- Features: 3% on dining and takeout; 3% at Sam’s Club for Plus members, 1% for Club members; 1% on everything else; Sam’s Cash for club or online purchases, your membership renewal, or cash at a club’s member services desk
- Pros: 5% on gas at almost any station; Sam’s Cash posted within one or two billing cycles, with no minimum to spend it
- Cons: Rewards good only at Sam’s Club or as cash at a club; forfeited if your membership ends; 1% on gas past $6,000 a year
Get the Sam’s Club® Mastercard® if you buy a lot of gas and shop at Sam’s Club, even as a new member. On $500 a month of gas, its 5% back pays $300 a year in Sam’s Cash, or $240 after a $60 Club membership. Skip it if you rarely shop there, since Sam’s Cash works only at Sam’s Club.
That $240 is still more than the $180 the Wells Fargo Autograph Card pays on the same gas, at 3 points per dollar worth a cent each, with no annual fee or membership. For a new member, the $60 fee costs more than the extra 2% earns below $250 a month of gas, and above $750 the Autograph’s uncapped points pay more than this card does.
Key Features
- 5% in Sam’s Cash on gas and electric vehicle charging, on the first $6,000 each calendar year, then 1%
- 3% on dining and takeout, 3% at Sam’s Club for Plus members (1% for Club members), and 1% on everything else
- Sam’s Cash posted within one or two billing cycles, for club or online purchases, membership renewal, or cash at member services
- No annual fee beyond the membership, $60 a year for Club or $120 for Plus; variable interest rate (APR) of 20.40% or 28.40%
- A one-time $60 statement credit if you’re approved by December 2, 2026, and make $30 in eligible Sam’s Club purchases in your first 30 days
Pros
- 5% at almost any gas station on your first $6,000 a year, not only at Sam’s Club
- Up to 5% at Sam’s Club for Plus members, counting Plus membership’s own 2% on in-club purchases
- No minimum before you can spend Sam’s Cash
Cons
- Sam’s Cash is good only at Sam’s Club, or as cash at a club up to a limit Sam’s Club sets
- Unspent Sam’s Cash is forfeited if your membership ends
- Only 1% on gas past $6,000 a year
- Fuel from a supermarket’s pumps may earn just 1%
- Applicants not approved for it are considered for the Sam’s Club Credit Card, which earns no Sam’s Cash
Drivers who shop at Sam’s Club get the most from it, current members most of all, since the card costs them nothing beyond the membership they already pay. If you rarely shop there, take the Wells Fargo Autograph Card instead, since its points can be redeemed as a credit to a Wells Fargo card or checking account.
Learn more about the Sam’s Club® Mastercard® or see how it compares to the best gas credit cards.
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