Citi Double Cash Card vs. Sam's Club Mastercard
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Citi Double Cash Card
Citi
Sam's Club Mastercard
Synchrony
Citi Double Cash Card and Sam's Club Mastercard split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Citi Double Cash Card wins on first-year math; Sam's Club Mastercard wins on foreign transactions.
Pick the Citi Double Cash Card if year-one math is your priority.
Who wins what
1 vs 1 (2 tie)- First-year math Citi Double Cash Card
Citi Double Cash Card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
- 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)
- $200
- $30
- First-year net
- +$200
- +$30
- Peak earning rate
- 5×
- 5×
- Top categories
- Travel Portal
- Gas Ev Charging, Dining, Sams Club Purchases
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Citi ThankYou Points
- 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.