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
Variable APR — verify current range at samsclub.com
Variable — verify the current range at the issuer
As of July 8, 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
- Variable APR — verify current range at samsclub.com
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 July 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Sam's Club Mastercard charge?
Variable APR — verify current range at samsclub.com. APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
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 whether an honest weakness is named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
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