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.

Sam's Club Mastercard at a glance

Rewards & perks

• 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

Who should apply

• An active Sam's Club membership
• A credit score in the good range
• Income adequate to back the credit line

Before you apply: card terms change often. Confirm the current annual fee, APR, welcome offer and rewards on the official Synchrony site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.