Synchrony
Sam's Club Mastercard
No annual fee · Earns Cash Back
A no-annual-fee Sam's Club Mastercard from Synchrony that earns 5% in Sam's Cash on gas (first $6,000 a year), 3% on dining and 3% at Sam's Club for Plus members, and 1% elsewhere, with no foreign transaction fees. It suits Sam's Club Plus members.
Maintained by Creddy Editorial · Catalog checked Oct 20, 2026
Sam's Club Mastercard at a Glance: No Annual Fee, Issuer and Rewards
- Annual fee:
- No annual fee
- Issuer:
- Synchrony
- Rewards:
- Cash Back
Sam's Club Mastercard Earning Rates
No earning rates listed yet.
Who Should Get the Sam's Club Mastercard?
It has no annual fee, so it costs nothing to keep.
Is the Sam's Club Mastercard Worth It?
The Sam's Club Mastercard has no annual fee, so every reward you earn is value you keep. Compare its earning rates with your spending.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Sam's Club Mastercard Welcome Bonus
- $30 statement credit
$30 in eligible Sam's Club purchases within 30 days of account opening. Cash advances, gift cards, alcohol, tobacco and pharmacy purchases do not count.
Checked Oct 20, 2026Source
Offer history
- Highest seen
- $30
Tracked since Oct 2026
Sam's Club Mastercard Statement Credits and When They Reset
Creddy's catalog lists no statement credits for the Sam's Club Mastercard. Its value comes from its rewards and other benefits on this page.
More Sam's Club Mastercard Card Benefits
Bonus Earnings
- 5% Sam's Cash on Gas5%
Earn 5% back in Sam's Cash on gas anywhere Mastercard is accepted on the first $6,000 in gas purchases per year, then 1%. You can earn up to $5,000 in Sam's Cash per calendar year across all your Sam's Club card accounts.
Checked Oct 20, 2026 - 3% Sam's Cash on Sam's Club Purchases for Plus Members3%
Plus members earn 3% back in Sam's Cash on Sam's Club purchases. Club members earn 1%. Tobacco, prescriptions, gift cards and cash equivalents do not earn Sam's Cash. You can earn up to $5,000 in Sam's Cash per calendar year across all your Sam's Club card accounts.
Checked Oct 20, 2026 - 3% Sam's Cash on Dining and Takeout3%
Earn 3% back in Sam's Cash on dining and takeout. You can earn up to $5,000 in Sam's Cash per calendar year across all your Sam's Club card accounts.
Checked Oct 20, 2026 - 1% Sam's Cash on All Other Purchases1%
Earn 1% back in Sam's Cash on other purchases. Sam's Cash loads onto your Sam's Club membership within 1 to 2 billing cycles and is redeemable only at Sam's Club or SamsClub.com. You can earn up to $5,000 in Sam's Cash per calendar year across all your Sam's Club card accounts.
Checked Oct 20, 2026
Purchase Protection
- Zero Fraud Liability
You are not liable for unauthorized use of your card. Charges by someone you authorized to use the account do not count as unauthorized.
Checked Oct 20, 2026
Fees & Miscellaneous
- Doubles as Your Sam's Club Membership Card
The card doubles as your Sam's Club membership card and is accepted at Sam's Club and Walmart nationwide. A Sam's Club membership is required to apply.
Checked Oct 20, 2026 - No Annual Fee
The card has no annual fee. You need a Sam's Club membership to apply.
Checked Oct 20, 2026 - No Foreign Transaction Fees
The Sam's Club Mastercard charges no foreign transaction fees.
Checked Oct 20, 2026
Sam's Club Mastercard vs Other Synchrony Cards
- CareCreditNo annual fee
- OnePay CashRewardsNo annual fee
- PayPal CashbackNo annual fee
- Venmo Credit CardNo annual fee
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Sam's Club Mastercard FAQs
What is the Sam's Club Mastercard annual fee?
No annual fee