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Sam’s Club® Mastercard® review

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Two credit cards for Sam's Club regulars.

  • Get these cards if you often shop at Sam’s Club.
  • Pick something else if you want an intro APR period and a better signup bonus.
  • Apply if you have a fair to good credit score of 580 or higher.


Welcome offer

Up to 5%

Cash back


Annual fee

16.4% to 24.4%

Purchase APR (variable)


Product NameSam’s Club® Mastercard®
Card typeMastercard
Annual fee$0
Purchase APR14.9% to 22.9% variable
Balance transfer APRN/A
Cash advance rate16.65% to 24.65% variable
Cash advance fee$5 or 3% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 23 days
Late payment feeUp to $38

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

If you have a Sam’s Club membership and want additional benefits for purchases made at the store, consider applying for a Sam’s Club® credit card.

There are two Sam’s Club® credit cards:

  • Sam's Club® Credit Card. This is a store card for use at Sam’s Club.
  • Sam’s Club® Mastercard®. This is a standard credit card that lets you earn accelerated cash back on gas purchases, travel and dining.

Unfortunately, you can’t choose which card to apply for — Sam’s Club determines which of the two cards you’re eligible for based on your credit score.

Card benefits

Sam's Club® Credit Card
Sam’s Club® Mastercard®
Cash back
  • 5% cash back on gas purchases on the first $6,000 per year, then 1%
  • 3% on dining and travel purchases
  • 1% on all other purchases
Signup bonus$45 statement credit when you apply online and make a purchase of $45 or more on the same day (offer expires June 15, 2020)$45 statement credit when you apply online and make a purchase of $55 or more on the same day (offer expires June 15, 2020)
Cash advance at Sam’s Club or Walmart registerUp to $100, subject to cash advance APR of to variable.Up to $100, subject to cash advance APR of to variable.
No annual fee
Acts as a membership card
Can use outside Sam’s Club and Walmart for purchases

What to watch out for

Sam's Club® Credit Card

  • Membership fee.
    The card comes with no annual fee, but you need to pay for a Sam’s Club membership before you can apply for it. Annual membership costs $45, which you can offset with the signup bonus for the first year.
  • Store card.
    You can only use the card at Sam’s Club and Walmart locations.
  • No rewards.
    If you’re looking to earn cash back or points, look for other alternatives.

Sam’s Club® Mastercard®

  • Membership fee.
    The Sam’s Club® Mastercard® is only available to Sam’s Club members, which starts at a $45 annual membership fee. However, you can offset your first year’s fee with the current signup bonus.
  • Limited redemption options.
    Redeem your earnings as cash or for Sam’s Club credits.
  • Maximum cash back limit.
    You can earn a maximum of $5,000 cash back. But that’s still too high for most cardmembers as you’ll need to spend six figures annually to reach it.
  • You can redeem only once annually.
    Sam’s Club lets you redeem your rewards only in February for the rewards earned during the previous calenedar year.
  • No intro APR period.
    You won’t get to save money on interest on your purchases with an intro APR period.

Save more at Sam’s Club

Offering bulk discounts, Sam’s Club virtually always has a deal. But if you’re looking for sales on big-ticket items, consider holding off until holiday sales hit in November, or shop the Shocking Values section of its website to score ultra-low prices on everything from TVs to robotic vacuums.

If there’s not a sales event at the moment, you can still snag a coupon or special perk to keep some extra change in your pocket.

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Bottom line

The two Sam’s Club® credit cards could be worth considering if you’re a Sam’s Club member who wants a card to use at the store or potentially earn cash back on purchases.

As an alternative, other gas reward credit cards or store credit cards could offer you the same rewards rate without annual or membership fees.

Frequently asked questions

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