Sam's Club Mastercard
Synchrony · Mastercard · No annual fee · Earns Sam's Cash
At Sam's Club the card itself earns 3% for Plus members (1% for Club members) — the advertised 5% includes 2% from the Plus membership benefit; total Sam's Cash earning caps at $5,000 per calendar year.
Rates verified August 16, 2026 · Issuer source: mysamscredit.com
Rewards by category
| Category | Rate |
|---|---|
| Gasup to $6,000/yr (combined) · Lower rate after the cap | 5x |
| EV Chargingup to $6,000/yr (combined) · Lower rate after the cap | 5x |
| Dining | 3x |
| Everything else | 1x |
Our take
The Sam's Club Mastercard fits households that put real miles on the road. It earns 5x on gas and EV charging, which places it second in our EV charging ranking and fourth for gas, plus 3x at restaurants with no category-specific strings attached. If fuel and Sam's Club runs dominate your monthly budget, the earning structure lines up with how you already spend, and there is no annual fee beyond the Sam's Club membership itself.
Read the fine print before counting on the headline number. The advertised 5% back at Sam's Club is partly the Plus membership talking: the card itself earns 3% for Plus members and only 1% at the Club tier. Gas and EV charging share a combined cap with a lower rate afterward, total Sam's Cash earning stops at $5,000 per calendar year, and we value Sam's Cash at 0.9 cents per point rather than a full cent.
Everything outside the bonus categories earns a flat 1x, so this works best as the fuel-and-restaurants specialist in a two-card wallet, with a flat-rate card covering the rest. The practical perks help: it doubles as your Sam's Club membership card, Sam's Cash auto-loads to your membership for redemption in club or online, and there are no foreign transaction fees if you travel.
The math
Run $200 a month of gas through this card and you're earning about $108 a year at our conservative valuations. There's no annual fee to earn back — everything above the 1x base rate is pure upside.
Where it lands in our rankings: #4 for ev charging · #5 for gas
Store bonuses
- Sam's Club3x
Key benefits
- No annual fee with Sam's Club membership
- No foreign transaction fees
- Doubles as your Sam's Club membership card
- Sam's Cash auto-loads to your membership for redemption in club or online
Common questions
- Does Sam's Club Mastercard have an annual fee?
- No — Sam's Club Mastercard has no annual fee.
- What does Sam's Club Mastercard earn on gas?
- 5x on gas (up to $6,000/yr (combined); lower rate after the cap).
- What rewards does Sam's Club Mastercard earn on everything else?
- 1x on all other purchases, in Sam's Cash.
- What is the catch with the advertised 5% back at Sam's Club?
- The 5% is for Plus members only, and 2% of it comes from the Plus membership benefit rather than the card. The card itself earns 3% for Plus members and 1% for Club-tier members, and purchases like tobacco, prescriptions, gift cards, and prepaid reloads are excluded. If you hold a Club membership, plan around 1%, not 5%.
- Is there a limit on how much Sam's Cash you can earn with this card?
- Yes. Gas and EV charging share a combined cap, and once you pass it those purchases drop to a lower rate. On top of that, total Sam's Cash earning is limited to $5,000 per calendar year. Heavy spenders should track where they stand and shift purchases to another card once the caps kick in.
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