THE CARDTUNED DATABASE
Sam's Club Mastercard
Issuer: Synchrony · Network: Mastercard
5% Sam's Cash on gas up to $6,000 annually; 3% dining and eligible Sam's Club purchases; 1% other
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed.
- Regular APR
- 20.15% or 28.15% variable purchase APR for new accounts as of 2026-01-01
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Gas | 5% | Sam's Cash on gas up to $6,000 annually |
| Dining | 3% | dining and eligible Sam's Club purchases |
| Other purchases | 1% | other |
Additional benefits
• No foreign transaction fee
Restrictions to know
An active Sam's Club membership is required. The 5% gas rate applies to the first $6,000 per year, then 1%; Plus members earn 3% at Sam's Club while Club members earn 1%. Total Mastercard Sam's Cash is capped at $5,000 per calendar year across eligible accounts tied to the same membership. Tobacco, prescriptions, gift cards, prepaid reloads and cash equivalents are excluded.
Who can apply
Sam's Club membership required
Credit profile: Issuer underwriting applies; no universal public score cutoff