01 · overview
Annual fee
$0
No fee
Sign up bonus
$200
After $2,000 in 3 mo
Credits
—
1 credit
Median FICO
789
Approved
Median income
$118,000
Approved
Our take
The Samsung Galaxy Card makes the most sense for buyers of Samsung gear: 5% cash back on purchases made directly from Samsung, plus 20% off the Samsung VIP Advantage membership when you pay with the card, all for no annual fee. It also earns 3% on any purchase paid through Samsung Wallet, but that rate only applies when you tap with Samsung Wallet; use the physical card or pay any other way and you earn 1%, which is the card's real base rate. Streaming services earn 2%. The $200 bonus after $2,000 in spending within 90 days is a respectable welcome offer for a no-fee card, and there are no foreign transaction fees. If you don't own a Samsung phone and rarely buy from Samsung, the rewards collapse to an ordinary 1% card.
Welcome bonus
$200
After $2,000 in 3 mo
Earn $200 bonus cash rewards after spending $2,000 on purchases within the first 90 days of account opening.
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| 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% |
Credits & rebates
| 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 |
03 · card details
Card details
Regular APR | 23.49%–32.24% variable |
Foreign transaction fee | None |
04 · approval odds
Approval odds
Limited data — n = 4. Charts appear once we have 5+ data points. Submit yours to help. Log in to submit →
05 · news
In the news
06 · reading