Sam's Club Mastercard
Best for: Sam's Club Plus members with high monthly fuel spend
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
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
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
| Issuer | Synchrony |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Rewards rate | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% on Sam's Club purchases (Plus members), 1% on everything else |
| Welcome bonus | Statement credit after a qualifying purchase soon after opening |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Airport lounge access | No |
| Best for | Sam's Club Plus members with high monthly fuel spend |
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.
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
SynchronySam's Club Mastercard 5596 3921 3882 2890 VALID THRU 09/32JORDAN TAYLOR Sam's Club MastercardSam's Club Plus members with high monthly fuel spend |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and tak… | None | None | Good (690+) | |
Amazon / ChasePrime Visa Amazon 4813 5646 4964 7475 VALID THRU 01/29JORDAN TAYLOR Prime Visa (Amazon)Prime members who spend heavily at Amazon and Whole Foods |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2… | None | None | Good (690+) | |
TargetRedCard 5485 8136 1849 2288 VALID THRU 10/31ALEX MORGAN Target RedCard Credit CardRegular Target shoppers who want instant checkout savings |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended r… | None | N/A | Fair to Good (640+) | |
Walmart / OnePayOnePay Walmart Cash Back 5239 9412 6526 0689 VALID THRU 05/29TAYLOR REED OnePay (Walmart) Cash Back CardFrequent Walmart shoppers comfortable with an app-based card |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus… | None | Varies | Fair to Good (640+) |
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