Head to head

Discover it Cash Back vs. Sam's Club Mastercard

On the criteria below, Sam's Club Mastercard wins 1 of 3. The verdict depends on which criteria matter to you.

Discover it Cash Back

Discover

Synchrony

At a glance

Sam's Club Mastercard wins 1 of 3 criteria here, making it the stronger all-rounder.

Sam's Club Mastercard leads on first-year math, while Discover it Cash Back only ties the rest.

Pick the Sam's Club Mastercard if year-one math is your priority.

0 vs 1 (2 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 Tie

Same peak earning rate.

Annual fee: Free; Free
Welcome offer (typical value): —; $30
First-year net: +$0; +$30
Peak earning rate: 5×; 5×
Top categories: Rotating Quarterly; Gas Ev Charging, Dining, Sams Club Purchases
Lounge access: No; No
Travel insurance: No; No
Elite status: No; No
Foreign transaction fee: None; None
Reward currency: Discover 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.