Best-in-class reward rate at Sam's Club fuel centers — 5% cash back.
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Good–Excellent credit — 700+ FICO typical; Sam's Club membership required
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Active Sam's Club members who fill up at Sam's Club gas regularly.
The Sam's Club Mastercard has no card-level annual fee. It earns 5% cash back at Sam's Club fuel centers (capped at $5,000 in Sam's Club purchases per year) and 3% on dining and travel. A Sam's Club membership is required separately.
| Year 1 value | Ongoing value |
|---|---|
| No card annual fee + 5% at Sam's Club fuel (Sam's Club membership fee required; verify tier at samsclub.com) | 5% at Sam's Club (fuel + in-club up to $5K/yr), 3% dining + travel, 1% everywhere else |
| 5% Sam's Club earn capped at $5,000 in purchases per year; verify at samsclub.com | |
Sam's Club® Mastercard® — Best-in-class reward rate at Sam's Club fuel centers — 5% cash back. Best for: Active Sam's Club members who fill up at Sam's Club gas regularly.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The Sam's Club Mastercard earns 5% cash back at Sam's Club fuel centers, up to $5,000 in Sam's Club purchases per year per Synchrony Bank and Sam's Club issuer terms (verified June 2026). After the $5,000 cap, the earn rate drops to 1%. The 5% applies only at Sam's Club fuel locations, not at general gas stations. Verify current earn rates and caps at samsclub.com before applying.
No — an active Sam's Club membership is required to hold the card. If you don't already shop at Sam's Club, the membership cost (typically $50–$110/year depending on tier, verify at samsclub.com) needs to be factored into your net rewards calculation. For drivers without a Sam's Club membership, a card with broad-network gas rewards (like PenFed Platinum Rewards or Wells Fargo Autograph) will likely return more value.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Sam's Club Mastercard. The card is issued by Synchrony Bank and is a product of Walmart Inc. / Sam's Club. Reward rates, caps, and terms are determined solely by Synchrony Bank and Sam's Club and may change — verify current terms at samsclub.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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