Advertiser Disclosure
Bankrate.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which Bankrate.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval, also impact how and where products appear on this site. Bankrate.com does not include the entire universe of available financial or credit offers.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
Merely a solid warehouse rewards card, but a top-notch gas rewards credit card.
Steve Dashiell
Written by
Tracy Stewart
Edited by
/ 12 min
The Bankrate promise
At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict,this post may contain references to products from our partners. Here's an explanation for.
The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. All of our content is authored by highly qualified professionals and edited by subject matter experts, who ensure everything we publish is objective, accurate and trustworthy.
Our banking reporters and editors focus on the points consumers care about most — the best banks, latest rates, different types of accounts, money-saving tips and more — so you can feel confident as you’re managing your money.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a stricteditorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Snapshot
3.0
Bankrate rating
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Rating: 3 stars out of 5
Bottom line
The Sam’s Club Mastercard is, strangely, one of the more rewarding gas credit cards on the market if you don’t mind only earning Sam’s Cash. But Sam’s Club members looking for bulk rewards on their wholesale shopping will be disappointed since this card only provides boosted rewards on in-store shopping if you’re a Sam’s Club Plus member — standard members will earn a much lower rate.
Recommended credit score:(670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Intro offer
Intro offer is not available for this Synchrony Bank credit card.
N/A
Rewards rate
5% cash back on gas anywhere (up to $6,000), Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases. 3% cash back on dining and takeout, 1% cash back on all other eligible purchases.
1% - 5%
Annual fee
No Annual Fee
Regular APR
20.40% or 28.40% Variable
3.0
Bankrate Score
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Rewards value
2.3 / 5
APR
3.0 / 5
Rewards flexibility
3.0 / 5
Features
2.0 / 5
Add up to 3 cards to compare
Compare
Remove a card to add another to compare
Remove a card to add another to compare
On This Page
On This Page
- Current offer details
- Sam’s Club Mastercard pros and cons
- Reasons to get this card
- Reasons to skip this card
- Sam’s Club Mastercard vs. other cash back cards
- Best cards to pair with the Sam’s Club Mastercard
- Is this card worth getting?
- Frequently asked questions
- What cardholders think
Sam’s Club® Mastercard® Overview
Bulk buyers curious about the potential rewards and benefits of the Sam’s Club Mastercard might be disappointed in the card’s requirements for earning maximum value on Sam’s Club purchases: it earns 3 percent back on eligible purchases when you make purchases in-club or digitally through the Sam’s Club website, but only if you’re a Sam’s Club Plus member. Otherwise, the card earns 1 percent back on eligible purchases.
For Plus members, the 3 percent earning rate stacks with the 2 percent rate all Plus members earn for a total of 5 percent back in Sam’s Cash. Plus membership typically runs $110 annually, so you might consider it an annual fee for the card.
Oddly, the card’s gas rewards rate is much more impressive and lenient. It earns 5 percent back (on up to $6,000 spent annually, then 1 percent) on gas at any gas station, not just Sam’s Club gas stations. This rate beats the rival Costco Anywhere Visa® Card by Citi as one of the best credit cards for gas. The dining and takeout reward rate is significant too at 3 percent. However, it’s important to note that the card only earns rewards in the form of Sam’s Cash, and you can only redeem your earnings in-store. If you don’t mind paying for Plus membership and these reward limitations, the Sam’s Club Mastercard is great way to turn gas and dining spending into wholesale grocery purchases.
Rewards
- 5 percent cash back on gas (up to $6,000 per year, then 1 percent)
- 3 percent cash back on eligible Sam’s Club purchases for Plus members (or 1 percent if you’re a standard Sam’s Club member)
- 3 percent cash back on dining and takeout
- 1 percent cash back on all other eligible purchases ($5,000 cash rewards maximum per year)
Expert Appraisal: Good
See our expert analysisWelcome offer
- $30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
Expert Appraisal: Unimpressive
See our expert analysisRates and fees
- Annual fee: N/A (at least a $45 annual Sam’s Club Membership fee required, $110 annually for Sam’s Club Plus Membership)
- Purchase intro APR: N/A
- Balance transfer intro APR: N/A
- Regular APR: 20.40% or 28.40% variable APR
Expert Appraisal: Good
See our expert analysisOther cardholder perks
- Works as your Sam’s Club Membership Card
Expert Appraisal: Weak
See our expert analysis
Sam’s Club Mastercard pros and cons
Pros
Its excellent 5 percent cash back on gas (on up to $6,000 in yearly purchases, then 1 percent) is one of the best gas rewards rates available
No annual fee or foreign transaction fees, adding to the card’s affordability
Serves as both a credit card and your Sam’s Club membership card
Cons
You must redeem in-store for physical cash back toward non-store purchases – which may make the rewards process too inconvenient for many cardholders
Sam’s Club membership is required (starting at $45 per year), which eats into your rewards
There are spending caps on all of your bonus categories, and your total cash back potential is limited to $5,000 per year
Why you might want the Sam’s Club Mastercard
Rewards rate: One of the strongest gas cards on the market
Though the Sam’s Club Mastercard is designed as a rewards card for Sam’s Club shoppers, its excellent rewards rate on gas purchases steals the show. Its 5 percent back on gas (on up to $6,000 spent, then 1 percent) at any gas station is generous and gives it the lead over the Costco Anywhere Visa card’s 4 percent back on gas. If you max out the spending cap, you’re looking at $300 back in Sam’s Club cash annually from gas alone.
The card’s dining and takeout rate is nothing to sneeze at either: at 3 percent back, it stands alongside other big names in the rewards space, such as the Chase Freedom Unlimited® and Capital One SavorOne Cash Rewards.
If you’re a Sam’s Club Plus Member, you’ll earn a total of 5 percent back on eligible Sam’s Club purchases. This is an excellent rate, but the $110 Plus Membership required to earn it eats into your rewards. On the bright side, the card doesn’t have the same bonus category restrictions as the Costco card, such as Costco’s bakery and bed-and-breakfast exclusions for dining. And unlike the Costco card, the Sam’s Club Mastercard doesn’t exclude other store-branded gas stations from its gas rewards category. Plus, some restaurant reward categories exclude caterers, which the Sam’s Club card’s terms specifically state it accepts. This can be especially helpful if you run a small business or use your Sam’s Club membership to prep for events.
Rates and fees: Relatively cheap and works as your membership card
While the Sam’s Club Mastercard doesn’t carry an annual fee, you do need a Sam’s Club membership to apply for the card in the first place. The cheapest Sam’s Club memberships cost $50, so you might think of this membership fee as the annual fee of the card. With that said, $50 is a good price for a card that can earn you 5 percent back on gas, and 3 percent back on several other categories with a $5,000 rewards cap. Once you receive your Sam’s Club Mastercard, it works in place of your membership card, so feel free to free up some wallet space and leave that card at home.
The card also doesn’t charge foreign transaction fees and the ongoing APR doesn’t live up to the notoriously high interest rates retail cards are known for. Your rate may be on par with the current average credit card interest rate, depending on your creditworthiness.
Why you might want a different shopping rewards card
Despite its strengths, the Sam’s Club Mastercard has a few drawbacks that might warrant looking elsewhere.
Weak up-front value: Small welcome offer and no intro APR
Retail credit cards aren’t known for stellar bonuses, and the Sam’s Club credit card is no exception. You’ll receive a $50 statement credit when you open a new account and make $50 in Sam’s Club purchases within the first 30 days. This offer is advertised as a limited-time offer, and the amount tends to fluctuate throughout the year.
Essentially, receiving $50 in free Sam’s Club merchandise isn’t a bad deal, but it isn’t the best we’ve seen among store cards. Its cousin card, the Capital One Walmart Rewards® Mastercard®*, offers 5 percent cash back when using Walmart Pay in-store for the first 12 months. With the Prime Visa card there is a generous bonus offer: Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members.
The card also lacks an intro APR on purchases and balance transfers. While balance transfer offers are rather rare on store cards, you may find some that offer an intro APR on purchases for a short period, which delivers some nice value if you plan on making a number of large purchases at that store and you want to pay it off interest-free.
Sam’s Club perks: No additional store features
Many store credit cards offer additional store-specific perks on top of an accelerated rewards rate on store purchases. These kind of perks can include free shipping on online orders, early access to sales, or automatic placement in a store’s elite status system. Typically, these benefits are how store cards make up for their lack of overall flexibility: by doubling down their store value.
The Sam’s Club Mastercard is nearly devoid of such perks. The only feature it offers beyond rewards on purchases is the ability to use the card in place of your Sam’s Club Membership card. This doesn’t hurt the card value quite as hard as it might since the Sam’s Club Mastercard possesses several strong reward categories, but whether this is a dealbreaker depends on how often you plan on using your card in its largest earning categories.
Staff Experience: Here's what our experts say
Bankrate writer Ryan Flanigan thinks a card like the Sam’s Club Mastercard is a great way to fight rising costs on a number of everyday expenses. Looking for value outside the obvious features makes this a solid card for any size family, he adds.
With prices increasing on practically everything, finding ways to stack savings with cards like this has seriously benefited my family. As a longtime Sam’s member, I’ve found you can buy most anything you need at Sam’s Club, so this card could be a great way to score solid savings on a huge chunk of your everyday spending, especially gas.
— Ryan Flanigan, Writer, Credit Cards
How the Sam’s Club Mastercard compares to other cash back cards
Among cash back cards, the Sam’s Club Mastercard offers excellent all-around category coverage and a hard-to-beat rewards rate on gas. Even its most prominent (and most similar) competitor, the Costco Anywhere Visa® Card by Citi, can’t match the Sam’s Club card’s gas rewards program. If you’re already a road-bound Sam’s Club member and don’t mind a trip to the store to get your bulk rewards, this card is a no-brainer.
However, if you’re primarily looking for a grocery shopping card with cash back centered around wholesale clubs, the Sam’s Club Mastercard is only a good choice with a Plus membership. Plus members earn 3 percent back on eligible purchases when shopping in-club or digitally through Sam’s Club with their card and another 2 percent back from their Plus membership, for up to 5 percent back on eligible purchases. Regular Sam’s Club members earn just 1 percent back, so a flat-rate cash back card that offers 1.5 percent or 2 percent could be a better choice.
Sam's Club® Mastercard®
Bankrate Score
Annual fee
No Annual Fee
Intro offer
N/A
Rewards rate
1% - 5%
5% cash back on gas anywhere (up to $6,000). Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases. 3% cash back on dining and takeout. 1% cash back on all other eligible purchases.
Recommended Credit Score
Good to Excellent(670–850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Bankrate Score
on Bank of America's secure site
Annual fee
$0
Intro offer
$200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Rewards rate
1% - 3%
Earn 3% cash back in the category of your choice (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases). Earn unlimited 1% on all other purchases.
Recommended Credit Score
Good to Excellent(670–850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Costco Anywhere Visa® Card by Citi
Bankrate Score
Annual fee
$0
Intro offer
N/A
Rewards rate
1% - 4%
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.
Recommended Credit Score
Excellent(740–850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Best cards to pair with the Sam’s Club Mastercard
The best combinations with the Sam’s Club Mastercard will provide high-yield cash back on categories that the Sam’s Club card doesn’t already cover.
Who is the Sam’s Club Mastercard right for?
The Sam’s Club Mastercard could be a solid choice for the following types of people.
Bankrate’s Take — Is the Sam’s Club Mastercard worth it?
The Sam’s Club Mastercard is an excellent, low-cost engine for cash back on gas with admirable coverage across dining purchases. But if you’re not a Sam’s Club member or you’re looking for hefty rewards on bulk products at Sam’s Club, then this card isn’t a good fit — the in-store rewards payout for non-Sam’s Club cash back and lackluster rewards rate on purchases in its own store make the Sam’s Club Mastercard a difficult sell for anything but its bonus gas category.
*The information about the Capital One Walmart Rewards Mastercard and Sam's Club® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Frequently asked questions
What cardholders think
Sam's Club® Mastercard®
4.0
49 ratings
In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are unedited and have not been reviewed or approved by credit card issuers.
72% of customers recommend this card
Score breakdown
5 stars
29%
4 stars
43%
3 stars
24%
2 stars
4%
1 star
0%
Score by category
Overall4.0 / 5
Extra perks3.8 / 5
Meets financial needs4.0 / 5
Privacy and security4.3 / 5
Customer service4.1 / 5
Online portal or mobile app4.0 / 5
In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.
Community Reviews
Explore Sam's Club® Mastercard® reviews from certified cardholders.
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
Money back
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I'm not sure if this has an annual fee.
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Sams club rewards
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Store clerk told me about Sam's cash
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I don't recall.
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is because I can get cash back with purchases
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The low APR and good cash back amounts
Score by category
Extra perks5 / 5
Meets financial needs4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Earned cashback at Sam's
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Limited areas to. Cash in rewards
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
To shop at Sam’s and use for gas.
Score by category
Extra perks5 / 5
Meets financial needs4 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The many parks
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I love my Sam's Club card. It provides cash back to use at Sam's every time I go.
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Benefits and rewards
Score by category
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Shopping in the store regularly
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I shop at Sam's Club and this gives me 5% cashback on my purchases at Sam's Club
Score by category
Extra perks3 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
yes, cash back and free shipping
Score by category
Extra perks4 / 5
Meets financial needs3 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
to get 5% cash back on gas
Score by category
Extra perks3 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
IF IT HAD AN ANUAL FEE, IT SHOULD NOT BE MORE THAN $50. SAVINGS DO ADD UP AND A SMALL FEE WOULD WORTH IT. I PAY FOR MY ANNUAL MEMBERSHIP WITH THE SAMS CASH I EARN, AS WELL AS SOME ITEMS DURING THE HOLIDAYS WHICH HELPS TREMENDOUSLY WITH MY HOLIDAY BUDGET.
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
i use this card all the time at sam's club and i get reward points on both my membership and my card
Score by category
Extra perks3 / 5
Meets financial needs5 / 5
Online portal or mobile app3 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
seems to work fine only use at sams
Score by category
Extra perks3 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
the interest rate is outrageously high, double than any of my other credit cards
Score by category
Extra perks5 / 5
Meets financial needs4 / 5
Online portal or mobile app3 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
The interest rate is too high to be useful, so I use the card only for Sam's Club and Walmart purchases. The card is set up to pay the balance off every month.
Score by category
Extra perks4 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes it is part and used for my daily routine
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Due to the high cost of groceries, it always helps to get some money off by using the card
Score by category
Extra perks3 / 5
Meets financial needs3 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
get money back
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Pay my membership with the points/money that I save
Score by category
Meets financial needs4 / 5
Online portal or mobile app2 / 5
Customer service2 / 5
Privacy and security1 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes cause of the extra discounts and points earned
Score by category
Extra perks4 / 5
Meets financial needs5 / 5
Online portal or mobile app4 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
membership fee more than makes up for savings at club and the rewards earned when card is used
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service3 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I would not have the card if it had an annual fee. I do not want to keep track if I recouped the money back and that forces me to spend and with inflation the way it is, I am watching the budget closer. I am not going to spend just to spend.
Score by category
Extra perks3 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, because of the special discounts for using it.
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app3 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
It is ok
Score by category
Extra perks3 / 5
Meets financial needs2 / 5
Online portal or mobile app2 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Good card
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service3 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
outstanding to work with
Score by category
Extra perks3 / 5
Meets financial needs1 / 5
Online portal or mobile app4 / 5
Customer service3 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No, I only use it at Sam's
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card to a friend. Use of card is very convenient for me because I shop a lot at Sam's Club and it is quick and easy to pay online. Customer service was very satisfactory when I applied for the card. No regrets
Score by category
Extra perks5 / 5
Meets financial needs4 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
I use it because I stop at Sam's Club a lot so it just makes sense to have one even with any piece
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app1 / 5
Customer service1 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I have all of my other cards linked to this card and get bonus points whenever I use those other cards as well.
Score by category
Extra perks4 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
A single experience is hardly special because I use this card quite nearly everywhere. There are few places where I utilize any of my other cards, but each has its particular use. But My Sam' Club Mastercard ensures that I will never have to pay for anything with my own money when I shop at Sam's Club. It all gets paid for with the reward dollars.
Score by category
Extra perks4 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
SHOP MONTHLY SAM'S CREDIT CREDIT MEETS ALL MY NEEDS FOR FOOD ANDOTHER ITEMS I MAY NEED.
Score by category
Extra perks4 / 5
Meets financial needs2 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It provides cash-back rewards for purchases made at Sams.
Score by category
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
We get 5% off on gas. We get points for shopping in Sam’s. We went on vacation in April & got 5% off on our hotels.
Score by category
Extra perks4 / 5
Meets financial needs3 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Only used n store purchases
Score by category
Extra perks3 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes, I go to Sam’s Club and scan my purchases with the App and it charges my Sam’s credit card.
Score by category
Extra perks3 / 5
Meets financial needs4 / 5
Online portal or mobile app4 / 5
Customer service3 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
We put everything on this card and pay the balance in full every month. We get quite a bit of cash back annually.
Score by category
Extra perks3 / 5
Meets financial needs1 / 5
Online portal or mobile app5 / 5
Customer service5 / 5
Privacy and security5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Used cash for vacation.
Score by category
Extra perks5 / 5
Meets financial needs2 / 5
Online portal or mobile app2 / 5
Customer service5 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Had to replace card a few times due to people hacking Sams acvts
Score by category
Extra perks5 / 5
Meets financial needs5 / 5
Online portal or mobile app4 / 5
Customer service4 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I shop at that store and receive cash back for future purchases
Score by category
Extra perks3 / 5
Meets financial needs3 / 5
Online portal or mobile app3 / 5
Customer service2 / 5
Privacy and security4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
no I only use it occasionally for purchases at sams.com
Score by category
Extra perks2 / 5
Meets financial needs5 / 5
Online portal or mobile app5 / 5
Customer service4 / 5
Privacy and security3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Great card it is very user friendly
Score by category
Extra perks3 / 5
Meets financial needs4 / 5
Online portal or mobile app3 / 5
Customer service5 / 5
Privacy and security5 / 5
Score by category
Compare the best rewards credit cards
Written by
Steve Dashiell
Editor, Credit cards
Read more from Steve
Steven Dashiell is an editor for Bankrate and CreditCards.com with expertise in rewards credit cards, financial literacy, and helping consumers build and maintain their credit.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
Up next
Read moreRewards
