Sam's Club® Mastercard®
Sam's Club · Cashback · Statement Credit
This comprehensive guide covers the Sam's Club® Mastercard®'s reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Sam's Club® Mastercard® from Sam's Club offers cashback rewards credited directly to your statement at 5% (up to $6,000 per cycle). Top earning categories include 5% cash back on gas and more. This card has no annual fee.
Best for: Fuel, Dining, Travel, General Online
Reward Examples
Spend $1,000 on Fuel → earn $50 (5%) · 5% cash back on gas
Spend $1,000 on Dining → earn $30 (3%) · 3% cash back on dining and travel
Spend $1,000 on General online → earn $10 (1%) · 1% cash back on Sam's Club purchases
Official product page → Official rules →
Waiver: No annual fee (but requires Sam's Club membership)
Reward Rules
- 5% 5% cash back on gas (cap: $6,000)
- 3% 3% cash back on dining and travel
- 1% 1% cash back on Sam's Club purchases
- 1% 1% cash back on all other purchases
Important Notes
- Requires active Sam's Club membership
- 5% gas capped at $6,000 per year then 1%
- 3% dining and travel no cap
- 1% Sam's Club purchases no cap
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Sam's Club® Mastercard® vs Similar Cards
- Alliant Cashback Visa® Signature Card — 3% top rate · $0
- Alliant Platinum Visa® Card — 2% top rate · $0
- Blue Cash Everyday Card from American Express — 3% top rate · $0
Maximize Your Rewards
To earn the highest rewards, use the Sam's Club® Mastercard® for its bonus categories: Fuel, Dining, Travel, General Online, Electronics Accessories.