Head to head

Southwest Rapid Rewards Plus Credit Card vs. Sam's Club Mastercard

On the criteria below, Sam's Club Mastercard wins 3 of 4. The verdict depends on which criteria matter to you.

Southwest Rapid Rewards Plus Credit Card

Chase

Synchrony

At a glance

Sam's Club Mastercard wins 3 of 4 criteria here, making it the stronger all-rounder.

Southwest Rapid Rewards Plus Credit Card wins on travel insurance; Sam's Club Mastercard wins on first-year math, annual fee, and earning ceiling.

Pick the Sam's Club Mastercard if year-one math is your priority; take the Sam's Club Mastercard if you want a cheaper card to keep long-term.

1 vs 3

First-year math Sam's Club Mastercard

Sam's Club Mastercard wins on bonus value minus annual fee.
Annual fee Sam's Club Mastercard

Sam's Club Mastercard is $99 cheaper to keep.
Earning ceiling Sam's Club Mastercard

Sam's Club Mastercard earns more on its best category (5× vs 2×).
Travel insurance Southwest Rapid Rewards Plus Credit Card

Southwest Rapid Rewards Plus Credit Card carries built-in travel insurance.

Annual fee: $99; Free
Welcome offer (typical value): —; $30
First-year net: $-99; +$30
Peak earning rate: 2×; 5×
Top categories: Airfare, Gas, Groceries; Gas Ev Charging, Dining, Sams Club Purchases
Lounge access: No; No
Travel insurance: Yes; No
Elite status: No; No
Foreign transaction fee: None; None
Reward currency: Southwest Rapid Rewards; 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.