Samsung's first U.S. credit card is a clear answer to the Apple Card: issued by Barclays on the Visa network, living in Samsung Wallet, with a recycled steel physical card for everything else. The earning structure is strong for the ecosystem it targets, with 5% back on purchases made directly from Samsung, 3% on anything paid through Samsung Wallet, 2% on streaming services, and 1% otherwise. That beats the Apple Card tier for tier, and the $200 bonus after $2,000 in 90 days is unusually generous for a $0 annual fee store-adjacent card. The catch is the same as Apple's: the everyday 3% rate depends on paying by phone, so value drops sharply if you swipe the physical card or don't carry a Galaxy device. For Samsung loyalists who upgrade phones and appliances through Samsung.com, this is an easy win; for everyone else a flat 2% card is simpler.
Earn rates & credits
| Category | Rate |
|---|---|
Online Shopping In-store or online purchases made directly from Samsung in the U.S. | 5% |
Everything Else 3% requires paying through Samsung Wallet; purchases made with the physical card or outside Samsung Wallet earn 1% | 3% |
Streaming Streaming services like Netflix, Disney+ and Spotify | 2% |
| Credit | Value |
|---|---|
Samsung VIP Advantage Discount 20% off the $149.99 Samsung VIP Advantage annual membership (Samsung Care+, VIP Priority Care, exclusive discounts, early access) when you pay with the card, applied instantly at checkout. Membership purchases and renewals also earn 5% cash rewards. | $20 /yr |
Card details
Regular APR | 23.49%–32.24% variable |
Foreign transaction fee | None |