This card makes the most sense if you buy from Samsung directly and pay with Samsung Wallet, because those are the only places its rates get interesting: 5% back on purchases made directly from Samsung in the U.S., and 3% back on any purchase paid through Samsung Wallet. Outside those conditions the card earns 1%, so the physical card in your pocket is a weak everyday earner, with 2% on streaming services the only other bright spot. There is no annual fee and no foreign transaction fee, and the $200 bonus after $2,000 in the first 90 days is reasonable for a card at this level. Launched in July 2026, it also knocks 20% off the $149.99 Samsung VIP Advantage membership when you pay with it. The regular APR of 23.49% to 32.24% is high with no intro offer, so this is for Samsung loyalists paying in full, not for carrying a balance.
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 |