About Sam's Club

Offered by Synchrony Bank, this card is linked directly to a Sam's Club membership and provides excellent benefits for shoppers who frequently buy at Sam's Club or elsewhere.

With the Sam's Club Mastercard, you can earn cashback on purchases made at Sam's Club, as well as on gas and other eligible purchases, making it an appealing option for regular shoppers who want to earn while they spend.

Sam's Club is a membership-only warehouse club owned by Walmart. It operates hundreds of locations across the United States, offering a wide range of products, including groceries, electronics, furniture, and more, all at discounted prices.

Sam's Club is known for its bulk offerings and competitive prices, making it a popular destination for families, businesses, and individuals looking to save on their everyday needs.

With a membership, customers gain access to exclusive savings, services, and discounts, including access to the Sam's Club Mastercard.

Press the button below and check out the step-by-step process how to apply for the card.

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Who Is This Card For?

The Sam's Club Mastercard is ideal for:

Sam’s Club Members: If you're a regular shopper at Sam's Club, this card is an excellent way to earn rewards on your purchases.

Gas and Groceries Shoppers: The card offers high cash back rewards on gas purchases and grocery shopping, making it a great choice for individuals who regularly buy fuel and groceries.

Frequent Shoppers: If you frequently shop at Sam's Club or at other locations that accept Mastercard, you can benefit from the card’s cash back program on a variety of purchases.

People Seeking a Simple Rewards Program: The Sam’s Club Mastercard has a straightforward cash back structure that is easy to understand and doesn’t require tracking rotating categories or spending limits.

Advantages of the Sam's Club Mastercard

The Sam's Club Mastercard comes with several advantages that make it stand out in the market:

5% Cashback on Gas Purchases: One of the standout features of the Sam's Club Mastercard is the 5% cash back on gas purchases at Sam's Club stations, as well as on other eligible gas stations (up to $6,000 in purchases annually).

3% Cashback on Dining and Travel Purchases: Earn 3% cash back on dining and travel purchases, which includes restaurants, take-out, and online food delivery services.

1% Cashback on All Other Purchases: For all other purchases, you’ll earn 1% cash back, making this card great for everyday expenses like household goods, clothing, and entertainment.

Sam's Club Membership: Cardholders automatically receive a complimentary Sam’s Club membership, which is a $45 value. This membership gives you access to all Sam's Club discounts, services, and exclusive deals.

No Annual Fee: There is no annual fee for the Sam's Club Mastercard, which makes it a cost-effective option for anyone looking to earn rewards without the burden of a yearly charge.

Access to Exclusive Sam's Club Offers: Cardholders receive access to special offers and discounts for Sam's Club members, making it easier to save on future purchases.

Easy Redemption of Rewards: Cashback rewards are applied as a statement credit or can be redeemed for a Sam’s Club gift card, making it simple and flexible for cardholders to use their rewards.

Why Choose the Sam's Club Mastercard?

The Sam's Club Mastercard is a solid option for members who want to earn significant cash back rewards on everyday purchases, especially if they already shop regularly at Sam’s Club or fuel up at Sam's Club gas stations.

The 5% cash back on gas purchases is especially appealing for frequent drivers, while the 3% cash back on dining and travel purchases makes this card a strong contender for those who want to earn rewards in multiple categories.

Additionally, the card’s lack of an annual fee and access to special Sam’s Club discounts makes it a cost-effective and rewarding choice for many people.

How to Use the Sam's Club Mastercard Effectively

To maximize the benefits of the Sam's Club Mastercard, follow these tips:

Use the Card for Gas Purchases: Take full advantage of the 5% cashback on gas purchases by using your card at Sam's Club gas stations or other eligible gas stations.

Earn 3% Cashback on Dining and Travel: Use the card for dining, take-out, or travel expenses to earn 3% cashback on these purchases.

Redeem Your Rewards for Future Purchases: Whether you use the rewards as a statement credit or redeem them for a gift card, be sure to take advantage of your cash back rewards to offset future expenses.

Combine with Sam's Club Deals: Use your card alongside Sam’s Club’s special offers to double-dip on savings and rewards.

Is This Card Right for You?

The Sam's Club Mastercard might be the right card for you if:

You’re already a Sam’s Club member or plan to join and want a credit card that offers cash back on purchases at Sam’s Club;

You frequently buy gas, dine out, or travel and want a card that rewards you for those expenses;

You’re looking for a card with no annual fee that can help you save on everyday purchases;

You want a straightforward rewards program with easy-to-understand benefits.