Citi Simplicity 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.
Citi Simplicity Card
Citi
Sam's Club Mastercard
Synchrony
Sam's Club Mastercard wins 3 of 4 criteria here, making it the stronger all-rounder.
Sam's Club Mastercard leads on first-year math, earning ceiling, and foreign transactions, while Citi Simplicity Card only ties the rest.
Pick the Sam's Club Mastercard if year-one math is your priority.
Who wins what
0 vs 3 (1 tie)- First-year math Sam's Club Mastercard
Sam's Club Mastercard 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)
- —
- $30
- First-year net
- +$0
- +$30
- Peak earning rate
- —
- 5×
- Top categories
- —
- 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
- —
- 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.