Guide to Sam’s Club Mastercard

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Are you a loyal Sam’s Club member? Many families use Sam’s Club to save money on groceries and stock up on staples—and although Sam’s Club requires you to purchase a membership before you can start shopping, a lot of people quickly learn that the savings they get may cover the cost.

The Sam’s Club Mastercard is designed to help you earn more cash back on your shopping. With this card, you can earn 3 percent cash back on Sam’s Club purchases as a Plus member or 1 percent if you’re a Club member, which can make it a rewarding addition to an avid Sam’s shopper wallet*.

Here’s our guide to the Sam’s Club Mastercard, including what the card offers, how to earn and redeem rewards and whether it’s a good choice for you.

What the Sam’s Club Mastercard offers

Sam’s Club members already know about savings that come from buying in bulk, but you can make your shopping even more rewarding if you use the Sam’s Club Mastercard to earn cash back on your purchases.

The Sam’s Club Mastercard offers cash back rewards, whether you’re shopping at Sam’s or using your credit card for everyday purchases. The Sam’s Club mobile app allows you to track your spending, pay your bill and keep your account as secure as possible.

How to earn cash back at Sam’s Club* More ways to earn cash back*
3% cash back on eligible Sam’s Club purchases in-club or online (Club Members earn 1%)
  • 5% cash back on gas anywhere (on the first $6,000 in purchases per year, then 1%)
  • 3% cash back on dining and takeout
  • 1% cash back on other purchases

Earn more as a Plus member

If you’re a Plus member, you can earn up to 5 percent cash back on eligible in-club purchases: Sam’s Club Mastercard holders who are Plus members earn 3 percent cash back on eligible Sam’s Club purchases, whether you shop in-club or Sam’s Club online*. Sam’s Club Plus members also earn 2 percent back in cash rewards on eligible in-club purchases**.

Please note, Rewards are subject to each program’s terms, including different maximum rewards and payout dates. See below for details.

Other ways to earn cash back

The Sam’s Club Mastercard also offers the ability to earn 5 percent cash back on gas anywhere, on the first $6,000 in purchases per year, then 1 percent. That’s $300 cash back annually if you max out your gas rewards. Plus, you’ll earn 3 percent cash back on dining and takeout and 1 percent cash back on all other purchases.

Mobile-first and digital experience

Want a safer checkout process? The Sam’s Club Mastercard uses contact-free technology to let you complete your in-person transactions without touching cash or cards. Use Sam’s Scan & Go in-club and at the pump to complete your shopping quickly and securely.

If you prefer to shop online, you can easily make purchases through the Sam’s Club mobile app—and you can also use the mobile app to track your spending, check and pay your balances and securely manage your account. If you accidentally misplace your Sam’s Club credit card, for example, the app makes it easy to freeze your credit account until you find your card or request a replacement.

Plus, all of your Sam’s Club rewards are 100 percent digital and can be redeemed in Scan & GO at Sam’s Club.com or a Sam’s Club POS. Your rewards are automatically loaded onto your Sam’s Club membership, and you can put them toward Sam’s Club purchases or redeem them for cash back at a staffed register in-club once they’re available to use. Note that rewards are issued in February for the cash back earned the previous year*.

Is the Sam’s Club Mastercard right for you?

If you’re a Sam’s Club member, it’s worth asking yourself how much cash back you can earn with the Sam’s Club Mastercard. Take a look at your monthly Sam’s Club spending—how much cash back could you have earned as a Plus member if you earned 3 percent back on eligible Sam’s Club purchases (Club Members earn 1 percent), plus another 2 percent in cash rewards on eligible in-club purchases as a part of your Sam’s Club Plus membership?**

Then take a look at your monthly gas spend because with the Sam’s Club Mastercard, you can earn 5 percent cash back for gas purchases (on the first $6,000 in purchases per year, 1 percent thereafter). Add in the 3 percent cash back you’ll earn on dining and takeout and the 1 percent cash back you’ll get on other purchases, and you’ll start to have a good idea of whether the card is right for you*.

The Sam’s Club Mastercard doesn’t charge an annual fee***, but you will pay a yearly fee to maintain your Sam’s Club membership. So if you don’t feel like you’re spending enough money at Sam’s to justify your membership, the Sam’s Club Mastercard might not be a good choice for you.

But if your family regularly uses Sam’s Club to buy in bulk and shop within your budget, you already know the value a Sam’s Club membership can provide and might want to seriously consider adding the Sam’s Club Mastercard to your wallet.

The bottom line

The Sam’s Club Mastercard cardholders can earn cash back at Sam’s Club and on other purchases. Sam’s Club members with a Plus membership earn 3 percent cash back on eligible purchases at Sam’s Club (Club members earn 1 percent)* and another 2 percent in cash rewards on eligible in-club purchases from their Plus membership**, for a total of up to 5 percent rewards on eligible purchases*. Additionally, Sam’s Club Mastercard holders earn 5 percent cash back on gas (on the first $6,000 per year in purchases, then 1 percent), 3 percent cash back on dining and takeout and 1 percent cash back on other purchases.*

*Sam’s Club® Mastercard® cardholders earn cash back rewards on eligible net purchases (less credits, returns, taxes and adjustments) made with their Sam’s Club® Mastercard® account. Rewards percentages depend on the type of purchase made. Cash back rewards are not earned on the following purchases or transactions at Sam’s Club or SamsClub.com: cash advances, tobacco and smoking related products (including electronic cigarettes), prescription purchases, reloading or purchase of prepaid cards, gift cards (including third party gift cards) or any cash equivalents. Maximum of $5,000 in cash back rewards can be earned in a calendar year. Eligible purchases on multiple card accounts for the same Sam’s Club member, including business and personal accounts, will be aggregated in determining the $5,000 maximum cash back per year. Cash back rewards are issued starting each February for the cash back earned during the previous calendar year. Cash back rewards are forfeited if the Sam’s Club® Mastercard® account is not in good standing (i.e., is delinquent) or if the Sam’s Club membership terminates or lapses. Cash back rewards will be automatically loaded onto your Sam’s Club membership and may be redeemed only at a Sam’s Club location or at SamsClub.com. See the “How to Earn Cash Back with your Sam’s Club® Mastercard®” rewards program terms or visit SamsClub.com/sams/images/ MasterCard_CashBack.pdf for details. The Sam’s Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
**Cash rewards are only available for Sam’s Club Plus Members for in-club purchases with any form of payment. Sam’s Club Plus Members get 2 percent back on qualifying pretax purchases with a maximum reward of $500 per 12-month membership period. Cash Rewards are awarded annually about 2 months prior to renewal date and loaded onto the membership card for use in club, on SamsClub.com or redeemable for cash. A member can accumulate a Maximum Balance of $2,000 in earned Cash Rewards on a membership card, at which point accrual of cash rewards stops until the maximum balance is reduced. Cash rewards are not earned for purchases made during the time of maximum balance. Restrictions apply. Visit SamsClub.com/CashRewards for exclusions, program details and terms and conditions.
***For new accounts: Variable purchase APR is 15.65% or 23.65% minimum interest charge is $2 for both cards. All APRs are accurate as of March 15, 2021, and will vary with the market based on the prime rate (as defined in your credit agreement)