The Samsung Galaxy Card is aimed at people deep in the Samsung ecosystem: it earns 5% back on purchases made directly from Samsung and 3% on any purchase paid through Samsung Wallet, with no annual fee and no foreign transaction fees. That Samsung Wallet rate is the real draw, but it only applies when you pay through Samsung Wallet, so purchases with the physical card or anywhere else fall to a 1% base rate. Streaming services like Netflix and Spotify earn 2%. The $200 bonus after $2,000 in spending within 90 days is a solid welcome offer for a no-fee card, and 20% off the Samsung VIP Advantage membership adds some value if you buy Samsung devices regularly. If you use an iPhone or rarely tap to pay with Samsung Wallet, a flat-rate cash back card will serve you better.
Earn rates & credits
| Category | Rate |
|---|---|
Online Shopping In-store or online purchases made directly from Samsung in the U.S. | 5% |
Mobile Wallet Purchases Any purchase paid 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% |
Everything Else Purchases made with the physical card or outside Samsung Wallet | 1% |
| Benefit | 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 |