Sam's Club Mastercard vs. Wells Fargo Reflect Card
On the criteria below, Sam's Club Mastercard wins 3 of 5. The verdict depends on which criteria matter to you.
Sam's Club Mastercard
Synchrony
Wells Fargo Reflect Card
Wells Fargo
Sam's Club Mastercard wins 3 of 5 criteria here, making it the stronger all-rounder.
Sam's Club Mastercard wins on first-year math, earning ceiling, and foreign transactions; Wells Fargo Reflect Card wins on travel insurance.
Pick the Sam's Club Mastercard if year-one math is your priority.
Who wins what
3 vs 1 (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×).
- Travel insurance Wells Fargo Reflect Card
Wells Fargo Reflect Card carries built-in travel insurance.
- 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
- +$30
- +$0
- Peak earning rate
- 5×
- —
- Top categories
- Gas Ev Charging, Dining, Sams Club Purchases
- —
- Lounge access
- No
- No
- Travel insurance
- No
- Yes
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- 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.