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%) |
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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.*
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