Sam's Club Mastercard
A warehouse co-branded Mastercard (issued by Synchrony) with strong gas and dining rewards plus bonus cash back on Sam's Club purchases for members.
Why it ranks
- No annual fee beyond membership
- Excellent gas rewards
- Usable anywhere Mastercard is accepted
What holds it back
- Requires a Sam's Club membership
- $6,000 annual gas cap
- Rewards redemption tied to Sam's Club
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
A warehouse co-branded Mastercard (issued by Synchrony) with strong gas and dining rewards plus bonus cash back on Sam's Club purchases for members.
Sam's Club Mastercard at a glance
| Issuer | Synchrony |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Statement credit after a qualifying purchase soon after opening |
| Rewards rate | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% on Sam's Club purchases (Plus members), 1% on everything else |
| Intro APR | None |
| Regular APR | See terms |
| Foreign transaction fee | None |
| Credit needed | Good (690+) |
| Best for | Sam's Club members who buy a lot of gas |
| Airport lounge access | No |
Rewards & benefits
- Top-tier gas rewards
- 3% dining and Sam's Club rewards
- Cash back redeemable at Sam's Club
Eligibility & who it suits
- Sam's Club membership
- Good credit score
- Sufficient income to support the line
How to apply
Check current rates on Synchrony’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSynchronySam's Club MastercardNo annual fee · US Sam's Club MastercardSam's Club members who buy a lot of gas |
None | 5% back on gas (on the first $6,000/yr, then 1%), 3% on dining and takeout, 3% o… | Statement credit after a qualifying purchase soon after open… | None | Good (690+) | |
| 2 | A/Amazon / ChasePrime Visa AmazonNo annual fee · US Prime Visa (Amazon)Amazon Prime members and frequent online shoppers |
None | 5% at Amazon, Whole Foods, Amazon Fresh & Chase Travel (with Prime), 2% gas/dini… | Amazon gift card on approval | None | Good (690+) | |
| 3 | TTargetRedCardNo annual fee · US Target RedCard Credit CardRegular Target shoppers |
None | 5% off at Target & Target.com, plus free 2-day shipping and extended returns | Discount for new cardholders | N/A | Fair to Good (640+) | |
| 4 | W/Walmart / OnePayOnePay Walmart Cash BackNo annual fee · US OnePay (Walmart) Cash Back CardRegular Walmart shoppers |
None | Elevated cash back on Walmart purchases (in store, online & fuel) plus a base ra… | Promotional cash back for new members | Varies | Fair to Good (640+) |
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