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Sam's Club Mastercard
This one earns its keep on gas: 5% back on the first $6,000 of fuel a year (then 1%), plus 3% on dining and 3% in-club for Plus members. Burn $250/month in gas and that's about $150 a year back, but the cap means heavy commuters max it out by fall, and the in-club bonus is Plus-only, so basic members lose most of the warehouse angle. You need a Sam's Club membership and the rewards arrive as a once-a-year payout, not monthly statement credit, so a no-membership 2% card is simpler if you don't already shop there. No annual fee on the card itself; verify the gas cap and tiers on Synchrony's page.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Among the highest gas earn rates available
- ✓3% returned on dining and on Sam's Club spending
- ✓Cash back can be applied toward purchases at Sam's Club
👍 Pros
- + No annual fee on top of the warehouse membership
- + Standout rewards at the pump
- + Works anywhere Mastercard is taken
👎 Cons
- – You must hold a Sam's Club membership
- – Gas rewards are limited to the first $6,000 each year
- – Redeeming cash back is tied to Sam's Club
Can you get it?
- ▸An active Sam's Club membership
- ▸A credit score in the good range
- ▸Income adequate to back the credit line
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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