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By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

    Annual fee
    None
    Recommended credit
    Excellent / Good / Fair
    Card network
    Mastercard
    Regular purchase APR
    20.9% or 28.9% variable based on creditworthiness and the Prime Rate
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    Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

    At a glance

    The Sam’s Club® Mastercard® offers Sam’s Club members everywhere up to 5% cash back on gas purchases, 3% back on dining, and more – all for no annual fee. From Synchrony Bank, the card also features no foreign transaction fees, Mastercard’s near-global acceptance, and special savings when shopping at Sam’s locations nationwide.

    Card features

    Benefits as listed on the original card page. They can change; confirm details with the issuer.

    • Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
    • Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
    • Earn 3% cash back on dining and takeout
    • Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
    • No annual fee

    Who this card may suit

    • You're a current Sam’s Club or Sam’s Club Plus member
    • You frequently purchase gasoline with a credit card
    • You do't want to pay an annual fee or foreign transaction fee
    • You spend heavily on dining each month

    Rates, fees and terms

    Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
    Annual FeeNone
    Regular Purchase APR20.9% or 28.9% variable based on creditworthiness and the Prime Rate
    Balance Transfer APR20.9% or 28.9% variable based on creditworthiness and the Prime Rate
    Balance Transfer Transaction FeeEither $10 or 4% of the amount of each transfer, whichever is greater
    Cash Advance APR25.90% or 31.65% variable based on creditworthiness and the Prime Rate
    Cash Advance Transaction FeeEither $10 or 4% of the amount of each transfer, whichever is greater
    Late Payment Penalty FeeUp to $40

    Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.

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    • Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all…
    Annual fee
    None
    Recommended credit
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    Intro APR
    0% for 6 months from date of account opening date
    Apply Now for Discover it® Chrome for Students (opens in a new tab)Read review of Discover it® Chrome for Students