Sam's Club Mastercard
No annual fee, earning Sam's Cash, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Sam's Club Mastercard is a no annual fee card from Synchrony Bank earning Sam's Cash. It earns 5x on gas, 5x on ev charging, 3x on dining and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Synchrony Bank advertises. We do not convert them into a percentage return, because that requires putting a price on Sam's Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Gas | 5x | |
| EV Charging | 5x | |
| Dining | 3x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Sam's Club Membership RequiredAn active Sam's Club membership is required to hold and use this card. Club membership starts at $50 per year and Plus membership at $110 per year. The card itself has no annual fee, but the membership cost is effectively an annual cost of carrying it. Plus members separately earn 2% Sam's Cash on qualifying Sam's Club purchases through the membership — that is a membership benefit, not a card benefit. | Once a year | — |
| Sam's Cash Rewards CapsThe 5% rate on gas and EV charging applies to the first $6,000 spent per year; spending beyond that earns 1%. Total cash back earned across all categories is capped at $5,000 per calendar year. Sam's Cash is loaded to your membership monthly and can be redeemed for most Sam's Club purchases or cashed out in club. | Once a year | — |
| No Foreign Transaction FeesNo foreign transaction fees on purchases made outside the United States. This card previously charged a 3% foreign transaction fee; that fee has been removed. | Once a year | — |
Questions people ask about the Sam's Club Mastercard
What is the annual fee on the Sam's Club Mastercard?
The Sam's Club Mastercard has no annual fee.
What does the Sam's Club Mastercard earn?
5x on gas, 5x on ev charging, 3x on dining, 1x on other, and 1x on everything else, in Sam's Cash.
Does the Sam's Club Mastercard charge foreign transaction fees?
No — the Sam's Club Mastercard has no foreign transaction fee.
