The Sam’s Club MasterCard is a simple card issued by synchrony bank. The card features one of the highest rewards rates available on fuel purchases, not to mention impressive incentives on travel and dining out, all for an annual fee of up to $10.
One of the drawbacks of Sam’s Club MasterCard is that the card is less generous when it comes to in-store or online Sam’s Club purchases, you must be a Sam’s club member before you can get the card.

Sam’s club MasterCard Basics
- Card type; store card.
- Annual fees; $0 but you must be a Sam’s club member.
- App; 14.90% to 22.90% variable.
- Foreign transaction fee; none.
- Sign up bonus; you get $55 as a statement credit when you open a new account and make $55 in Sam’s club purchases within 30days.
Applying for Sam’s Club MasterCard
There are just two ways to apply for a Sam’s Club MasterCard card. As a Sam’s club member, you can either apply online or in-store at Sam’s club local store. Applicants must sign in or create an online Sam’s club account before they can apply for a Sam’s Club MasterCard card.
After applying, it takes 7-10 working days for your Sam’s club MasterCard card to be approved.
Sam’s Club MasterCard Rewards
As a Sam’s club MasterCard cardholder, you have the opportunity to earn;
- 5% cash back at eligible gas stations worldwide, including stations at Sam’s club.
- 3% cash back on dinning and travel.
- 1% cash back on all other purchases.
The Sam’s club MasterCard comes with both a MasterCard and world MasterCard benefits depending on the version of the card you’re approved for. Sam’s club MasterCard offers very high rewards and in a fantastic value. Rewards accumulated through the card may only be redeemed once a year at a Sam’s club store.
Maximize your Sam’s Club MasterCard rewards
The best and simple way to maximize rewards with the Sam’s club MasterCard is to use it to buy gas, at least until you’ve spent $6000 at which point the 5% cash back drops to 1%.
It would also be worthwhile to maximize use of the is card for dining and travel to take advantage of the 3% cashback earnings. The Sam’s club MasterCard could also be used to complement another credit card, with a different rewards structure.
In conclusion
As long as you don’t mind all the hoops you have to jump through when it came messenger to rewards, the Sam’s club MasterCard provides excellent values on gas, travel, and dining purchases.
Alternatively, if you love to travel you could sign up for a Chase Sapphire preferred card which is arguable the best travel rewards card in the market. You’ll earn 1point per $1 spent on every day purchases as well as 2points per $1 spent on all dining and travel purchases.