Sam's Club Mastercard
The Sam's Club Mastercard earns 5% back in Sam's Cash on gas and EV charging on the first $6,000 each calendar year, 3% at restaurants, and 3% at Sam's Club for Plus members, with no annual fee beyond the Sam's Club membership the card requires. The catch is the redemption loop: rewards load onto the membership as Sam's Cash, spend only at Sam's Club or SamsClub.com, and stop accruing at $5,000 a year, so the value depends on shopping there anyway. For a household that already carries a Plus membership and fuels up regularly, the gas rate is one of the strongest published on a no-fee card, though Club-level members earn just 1% in the warehouse.
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- Annual feeFree
- Welcome offer$30after $30 in 1 months
- Recommended credit635-750Median 700. See why →
Earning rates
on Sam's Cash- 5xGas Ev ChargingFirst $6,000/yr, then 1%Cap $6,000
- 3xDiningExcludes other warehouse clubs
- 3xSams Club PurchasesPlus members; Club members earn 1%
- 1xEverything else
Benefits and credits
account-protection
- Mastercard ID Theft Protection
- Zero Fraud Liability for Unauthorized Use
rewards
- Sam's Cash: No Expiration, Cash-Out in Club
service
- Accepted Everywhere Mastercard Is, Including Walmart
- Contactless Tap & Go Payments
- Doubles as Your Membership Card
- Mastercard Global Service
- Mastercard Merchant Benefits
Pricing and fees
Full Pricing and Terms- Purchase APR
- 20.15% to 28.15%
- Foreign tx
- None
- Penalty APR (cap)
- Not disclosed
- Balance transfer
- Not disclosed
- Fee Not disclosed
- Cash advance
- 31.15%
- Fee $5 or 3.00%, whichever is greater
- Late / returned
- $40 · $41
Eligibility and application
- Card typeUnsecured personal card
- Pre-qualificationSoft-pull pre-qualification available
- Application inquiryHard credit inquiry on submission
- Approval bureauNot disclosed by issuer
- Authorized user feeNot disclosed
- Reports AU to bureausConditionalAuthorized-user activity is reported to Experian and TransUnion only (not Equifax). Synchrony runs a large store / co-brand portfolio, so confirm per product when a Synchrony card is added.Issuer policy
How the recommended credit score is derived
Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.
- WalletHub: Sam's Club credit card credit score requirement ('at least 700')
- MyFICO Forum: approval data point (TransUnion 635 per Capital One, Synchrony-reported 750, $3,000 starting limit)
- MyFICO Forum: approval data point (instant approval, $2,500 temporary credit line)
- MyFICO Forum: approval data point ($4,000 starting limit after identity verification, first Synchrony account)
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PayPal Cashback MastercardSynchrony · MastercardThe PayPal Cashback Mastercard earns 3% cash back when you check out with PayPal and 1.5% everywhere else Mastercard is accepted, uncapped and with no annual fee, which makes it the strongest published no-fee rate on PayPal checkout spend.
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Chase Freedom UnlimitedChase · VisaThe Freedom Unlimited is a no-annual-fee workhorse that earns 1.5% on everything, with elevated rates on dining, drugstores, and Chase Travel.
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Sources
Affiliate disclosure
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Not financial advice
ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.