Sam's Club Mastercard
Synchrony · Cashback review
Active Sam's Club members who fill up at Sam's Club fuel centers regularly — 5% cash back on fuel at Sam's Club stations
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
20.15% – 28.15% variable
Variable — verify the current range at the issuer
Foreign transaction fee
None
Travel-friendly abroad
As of August 17, 2026
Best for
Active Sam's Club members who fill up at Sam's Club fuel centers regularly — 5% cash back on fuel at Sam's Club stations (up to $5,000/yr, then 1%), plus 3% on a broad dining and travel category, with no card-level annual fee. Accepted anywhere Mastercard is.
Not for
Non-members (a paid Sam's Club membership is required, adding $50–$110/year to the true cost) and anyone who wants ongoing cash rather than an annual payout.
The catch
The headline 5% fuel rate applies only at Sam's Club gas stations, not general gas, and is capped at $5,000 of Sam's Club purchases per year. Rewards are paid once a year as a statement credit, so the card only pencils out if you're already committed to the Sam's Club membership.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 20.15% – 28.15% variable
- Foreign transaction fee
- None
- Balance transfer fee
- Balance transfers not allowed
- Schumer Box sourced
- August 17, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Sam's Club Mastercard's offer changes.
We track Sam's Club Mastercard's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Sam's Club Mastercard charge an annual fee?
No. The Sam's Club Mastercard carries a $0 annual fee, sourced from the issuer's published Schumer Box as of August 17, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Sam's Club Mastercard charge?
20.15% – 28.15% variable. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Sam's Club Mastercard charge foreign transaction fees?
No. The Sam's Club Mastercard has no foreign transaction fee, so it works cleanly for purchases abroad.
Who is the Sam's Club Mastercard best for?
Active Sam's Club members who fill up at Sam's Club fuel centers regularly — 5% cash back on fuel at Sam's Club stations (up to $5,000/yr, then 1%), plus 3% on a broad dining and travel category, with no card-level annual fee. Accepted anywhere Mastercard is.
Who should skip the Sam's Club Mastercard?
Non-members (a paid Sam's Club membership is required, adding $50–$110/year to the true cost) and anyone who wants ongoing cash rather than an annual payout.
How did ClearValue score the Sam's Club Mastercard?
Sam's Club Mastercard scored 75/100 — "Worth considering". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Sam's Club Mastercard
Other cashback cards we've scored, ranked by our methodology.
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