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Costco Anywhere Visa® Card by Citi vs Sam’s Club® Mastercard®

Sam’s Club offers more cashback on gas and warehouse shopping.

Megan Horner
Megan Horner

Updated

Fact checked
The biggest difference between the Costco Anywhere Visa® Card by Citi and the Sam’s Club® Mastercard® is the rewards earnings on each card. The new Sam’s Club® Mastercard® generally pulls ahead earning 5% back at Sam’s Club when you have Plus membership, % back on gas on up to $6,000 annually, up to % back on dining and takeout and % on all other purchases.

The Sam’s Club simply outmuscles Costco’s offering in pure value. Costco Anywhere Visa earns 4% back on gas on up to $7,000 annually, 3% back on dining and travel, % back on Costco purchases and 1% back on all purchases.

Winner: Sam’s Club® Mastercard®

Before Sam’s Club’s card refresh, Costco took the win thanks to actually earning rewards on Costco purchases. A small advantage, but an important one. Now that Sam’s Club offers proper cashback opportunities with the Sam’s Club® Mastercard®, however – 5% on store purchases compared to the 2% you’ll find on the Costco card – it takes the lead when it comes to pure value. Since these cards are otherwise incredibly similar – neither technically require annual fees or offer signup bonuses for example – the cashback potential is the biggest deciding factor in this showdown.

Who should get the Costco Anywhere Visa® Card by Citi?

The Costco Anywhere Visa is still a great card for regular Costco shoppers and those who want a rewarding gas cashback card. The wholesale clubs available to consumers tend to vary heavily on location. If you have a Costco in your area but no nearby Sam’s Club, don’t be afraid to check out the Costco Anywhere Visa® Card by Citi.

Who should get the Sam’s Club® Mastercard®?

Similarly, if you do a large amount of spending at your local Sam’s Club, you’ll find a lot of value in the Sam’s Club® Mastercard®. And even if you don’t spend there often, the gas rewards on this card make it worth a look depending on your gas needs.

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Rates & Fees

Sam’s Club® Mastercard®

Sam’s Club® Mastercard®

Rates & Fees
finder.com's rating
finder.com's rating

★★★★★

3.6 / 5.0

★★★★★

3.8 / 5.0
Best for
Best for
  • Elevated rewards on gas, travel and restaurants
  • High cash back on gas
Welcome offer
Welcome offer

N/A

Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases
within 30 days.
Rewards
Rewards

4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases

Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases
Purchase APR
Purchase APR

15.24% variable

14.9% to 22.9% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

15.24% variable

 14.9% to 22.9% variable
Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 19.9% to 25.9% variable

Fee: $5 or 3% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 23 days 23 days
Minimum interest
Minimum interest $0.50 $2
Minimum credit score
Minimum credit score 740 670
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

Compare store credit cards”
Name Product Filter values Annual fee Purchase APR Recommended minimum credit score
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
$0
15.24% variable
740
An impressive cashback card that offers up to 4% back on everyday purchases like gas, travel and dining all for the cost of a Costco membership.
Apply now
View details
Sam’s Club® Mastercard®
Sam’s Club® Mastercard®
$0
14.9% to 22.9% variable
670
Earn up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases.
See offer
View details
Seventh Avenue Credit
Seventh Avenue Credit
$0
5.75% to 25.99% fixed
300
Buy now, pay later with payments as low as $20 a month.
Apply now
View details
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