Bank of America Unlimited Cash Rewards credit card vs. Sam's Club Mastercard
On the criteria below, Sam's Club Mastercard wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Unlimited Cash Rewards credit card
Bank of America
Sam's Club Mastercard
Synchrony
Sam's Club Mastercard wins 2 of 4 criteria here, making it the stronger all-rounder.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; Sam's Club Mastercard wins on earning ceiling and foreign transactions.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 2 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Sam's Club Mastercard
Sam's Club Mastercard earns more on its best category (5× vs 0×).
- Foreign transactions Sam's Club Mastercard
Sam's Club Mastercard has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- $30
- First-year net
- +$250
- +$30
- Peak earning rate
- —
- 5×
- Top categories
- —
- Dining, Gas Ev Charging, Sams Club Purchases
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Sam's Cash
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.