Head to head 
Discover it Student Chrome vs. Sam's Club Mastercard
On the criteria below, Sam's Club Mastercard wins 2 of 3. The verdict depends on which criteria matter to you.
Discover it Student Chrome
Discover
Sam's Club Mastercard
Synchrony
At a glance
Sam's Club Mastercard wins 2 of 3 criteria here, making it the stronger all-rounder.
Sam's Club Mastercard leads on first-year math and earning ceiling, while Discover it Student Chrome only ties the rest.
Pick the Sam's Club Mastercard if year-one math is your priority.
Who wins what
0 vs 2 (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 2×).
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- $30
- First-year net
- +$0
- +$30
- Peak earning rate
- 2×
- 5×
- Top categories
- Gas, Dining
- 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.