Sam’s Club® Mastercard® 2026 Review

Annual fee
$0
Rewards rate
5%-1%
Welcome Bonus
$30
Apply Now →on Synchrony's website
Regular APR:20.15%-28.15% Variable APR

  • 5%Cash back on eligible purchases
  • 3%Cash back on other purchases

Welcome Bonus:

Receive an introductory $30 statement credit after opening an account and making $30 in eligible Sam's Club purchases within the first 30 days.

Reward Rate:

Earn up to 5% cash back on eligible everyday purchases.

APR:

20.15%-28.15% Variable APR

What sets the Sam’s Club® Mastercard® apart is its ability to earn cash back on everyday purchases while also serving as a membership card. This dual functionality makes it a practical choice for regular Sam's Club shoppers.

Pros:

  • No annual fee
  • Doubles as a membership card

Cons:

  • Requires a Sam's Club membership
  • Limited to Sam's Club and Walmart for maximum rewards
Apply now →

The Sam’s Club® Mastercard® is particularly suitable for individuals who frequently shop at Sam's Club, as it offers substantial cash back rewards on in-store and online purchases while also serving as a membership card. With no annual fee and a welcome bonus, it provides a compelling option for those looking to maximize their savings on everyday spending.

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