Sam's Club® Mastercard® Review: Rewards, Fees & Benefits

Rewards

Reward TypeCash Back

Base Rate1x / 1%

Bonus RateUp to 5x

Point Value~0.01¢ each

Travel Portal1x

Annual Cap$6,000

ExpirationCash back is automatically redeemed once a year after your February billing statement and issued as a Sam's Club Cash™ card.

Redemption NotesCash back is automatically redeemed once a year after your February billing statement and issued as a Sam's Club Cash™ card.

Category	Rate	Type	Cap
Gas On eligible gas purchases worldwide, including at Sam's Club.	5x	Cash Back	$6,000/yr
Dining On eligible dining purchases.	3x	Cash Back	No cap
Travel On eligible travel purchases.	3x	Cash Back	No cap
All Other Purchases On all other eligible purchases.	1x	Cash Back	No cap

Benefits & Protections

Concierge Service

Benefit	Category	Value / Coverage
Dining Cash Back Earn 3% cash back on eligible dining purchases.	Dining	3% cash back
DoorDash Discount Get $5 off your first two DoorDash orders each month when each order is $15 or more.	Dining	$5 off first two orders/month (min $15/order) Up to $5
HelloFresh Discount Receive 16 free meals plus free shipping from HelloFresh for new customers.	Dining	16 free meals + free shipping
Fandango Movie Ticket Discount Get $5 off movie tickets for every two tickets purchased through Fandango.	Entertainment	$5 off per 2 tickets Up to $5
Peacock Streaming Discount Get $3 off Peacock Premium or $5 off Peacock Premium Plus.	Entertainment	Up to $5 off Peacock subscription Up to $5
Cash Back Redemption Cash back is redeemable annually once $10 or more is earned. Cash back is issued as a Sam's Club Cash certificate.	Financial	Redeemable annually once $10+ earned Up to $10
No Annual Fee The Sam's Club Mastercard has no annual fee.	Financial	$0 annual fee Up to $0
Priceless Experiences Access to unique experiences and offers in cities around the world, curated by Mastercard.	Lifestyle	Access to exclusive experiences
ID Theft Protection Provides monitoring for suspicious activity and resolution services if identity theft occurs. Includes alerts, expert assistance, and credit monitoring.	Security	Identity theft monitoring and resolution services
Zero Liability Protection Protects cardholders from unauthorized purchases made with their Sam's Club Mastercard. Cardholders are not held responsible for fraudulent charges.	Security	Full protection against unauthorized purchases
Everyday Purchases Cash Back Earn 1% cash back on all other eligible purchases not covered by higher reward tiers.	Shopping	1% cash back
Gas Cash Back Earn 5% cash back on eligible gas purchases at Sam's Club and other gas stations (excluding warehouse club and certain superstore gas stations). This applies to the first $6,000 in eligible gas purchases per year, then 1% cash back thereafter.	Shopping	5% cash back (up to $6,000/year), then 1%
Sam's Club Purchases Cash Back (Plus Members) Earn 3% cash back on eligible purchases at Sam's Club (in-club and samsclub.com). This is in addition to the 2% cash back earned by Sam's Club Plus members, totaling 5% cash back.	Shopping	3% cash back (additional for Plus members)
ShopRunner Membership Complimentary ShopRunner membership, providing free 2-day shipping and free returns at participating online retailers.	Shopping	Free 2-day shipping & returns
Lyft Ride Credit Earn a $5 credit after taking 3 rides in a calendar month. This offer can be redeemed once per month.	Travel	$5 credit after 3 rides/month Up to $5
Mastercard Airport Concierge Cardholders receive 15% savings on airport meet & greet services at over 700 airports worldwide.	Travel	15% savings on airport meet & greet
Travel Cash Back Earn 3% cash back on eligible travel purchases.	Travel	3% cash back
Global Service Provides emergency assistance services worldwide, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.	Travel Insurance	Emergency assistance worldwide

Interest Rates

0%

Intro Purchase APR for 6 months

Purchase APR21.24%–31.24% Variable

Balance Transfer APR29.99%

Cash Advance APR31.24%

Min. Interest Charge$2

Deferred Interest Warning: If your account has a deferred interest promotion, interest will be charged to your account from the purchase date if the promotional balance is not paid in full by the end of the promotional period. To avoid interest, you must pay the promotional balance in full by the end of the promotional period.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $10 or 5% of the amount of each balance transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $41

Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, unusual spending patterns inconsistent with typical retail purchases, rapid accumulation of high credit limits across multiple Synchrony accounts, defaulting on other Synchrony accounts, or excessive credit seeking behavior (e.g., too many applications in a short period).

Cliff Effect Rules

Synchrony does not have a strict 'cliff effect' like some other major issuers (e.g., Chase 5/24). However, approval for new cards, especially those with higher credit limits, can be impacted by the total credit extended across all existing Synchrony accounts. While multiple cards are possible, the issuer may deny new applications or offer lower credit limits if the cumulative credit exposure is deemed too high for the applicant's profile. Bonuses are generally once per account opening, but not strictly 'once per lifetime' across all Synchrony products.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the Sam's Club Mastercard requires an active Sam's Club membership, being at least 18 years old (19 in Alabama and Nebraska), and possessing a valid Social Security Number or ITIN. Approval is subject to creditworthiness. The typical sign-up bonus for new cardholders is a statement credit (e.g., $30-$50) after making a qualifying first purchase or spending a small threshold amount (e.g., $30-$50) within the first 30 days of account opening. Synchrony generally allows multiple credit card applications, but approval for subsequent cards is highly dependent on the applicant's overall credit profile, existing credit limits with Synchrony, and recent application history. There are no explicit 'once per lifetime' rules for the bonus, but repeat bonuses for the same product are rare and not guaranteed.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

Sam's Club® Mastercard®