The Sam's Club Mastercard's best feature is 5% back on gas and EV charging anywhere, not just at Sam's Club, on up to $6,000 a year before dropping to 1%. Add 3% on dining and takeout and no annual fee or foreign transaction fees, and it is a respectable everyday card for anyone who already holds a Sam's Club membership, which it also doubles as at the door. The Sam's Club rate itself depends on your tier: Plus members earn 3% on club purchases while Club-tier members get only 1%. Rewards come as Sam's Cash, total card earnings are capped at $5,000 per calendar year, and everything outside the bonus categories earns 1%. The $30 welcome credit after $30 in Sam's Club purchases is a small, easy win. It is a good fit for members who buy a lot of gas, and much less useful if you never shop at Sam's Club.
Earn rates & credits
| Category | Rate |
|---|---|
Gas Gas and EV charging worldwide, including Sam's Club stations (first $6,000/year, then 1%) on first $6,000/yr, then 1% | 5% |
Dining Dining and takeout | 3% |
Wholesale Clubs Sam's Club purchases for Plus members (1% for Club-tier members); Plus membership separately adds 2% Sam's Cash on qualifying in-club purchases | 3% |
Everything Else Total card earnings capped at $5,000 Sam's Cash per calendar year | 1% |
Card details
Regular APR | 20.15%–28.15% variable |
Foreign transaction fee | None |