The Sam's Club Mastercard's best feature is 5% back on gas and EV charging anywhere, not just at Sam's Club stations, on the first $6,000 per year before dropping to 1%. It adds 3% on dining and takeout, and Plus members earn 3% on Sam's Club purchases (only 1% for Club-tier members), all with no annual fee. The catch is that rewards come as Sam's Cash, total earnings are capped at $5,000 per calendar year, and the card is really only worth it if you already hold a Sam's Club membership. Everything outside the bonus categories earns 1%, and the $30 signup credit after $30 in Sam's Club purchases is a small nudge rather than a reason to apply. For members who buy a lot of gas, it is a strong, no-fee addition that doubles as your membership card.
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 |