12
Benefits6
Reward Categories5x
Max Reward20.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 6 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gas | 5x | Cash Back | Eligible gas purchases worldwide, including Sam's Club gas stations. | $6,000 | |
| Dining | 3x | Cash Back | Eligible dining purchases. | No Cap | |
| Travel | 3x | Cash Back | Eligible travel purchases. | No Cap | |
| Sam's Club Purchases (Plus Members) | 3x | Cash Back | Eligible purchases at Sam's Club for Sam's Club Plus members. | No Cap | |
| Sam's Club Purchases (Club Members) | 1x | Cash Back | Eligible purchases at Sam's Club for Sam's Club Club members. | No Cap | |
| All Other Purchases | 1x | Cash Back | All other eligible purchases not covered by higher reward rates (including gas purchases after the $6,000 annual cap). | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 5x
Categories: 5% on eligible gas worldwide (including Sam's Club gas), 3% on dining and travel, 1% on Sam's Club purchases, 1% on all other purchases
Quarterly Rotating: No
Cap Amount: $6,000.00
Expiration Policy: Cash Back Rewards do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Cash Back Rewards are issued as Sam's Club Cash and can only be used at Sam's Club locations or SamsClub.com. Cash Back Rewards are automatically loaded onto your Sam's Club membership card annually in February for the prior calendar year's earnings.
Benefits & Protections (Detailed) 12 Total
PENDINGFinancial 1
No Annual Fee
$0The Sam's Club Mastercard has no annual fee.
Purchase Protection 2
Extended Warranty
Up to 1 additional year; up to $1,000 per claim and $10,000 per cardholder per 12-month periodExtends the original manufacturer's or store-brand warranty for eligible items purchased with your card. Coverage typically doubles the original warranty period up to a maximum of one additional year, for warranties of 12 months or less.
Purchase Protection
Up to $1,000 per claim and $50,000 per cardholder per 12-month periodReimburses you for eligible items purchased with your card that are stolen or damaged within 90 days of the purchase date.
Rewards 6
Gas & EV Charging Cash Back
5% on first $6,000 per year, then 1%Earn 5% cash back on eligible gas and electric vehicle (EV) charging purchases at Sam's Club and other gas stations (excluding warehouse clubs other than Sam's Club, certain supercenters, and supermarkets). This rate applies to the first $6,000 in eligible purchases per year, then 1% thereafter.
Sam's Club Purchases Cash Back (Plus Members)
3%Sam's Club Plus members earn 3% cash back on eligible purchases at Sam's Club. This is in addition to the 2% cash back earned by Plus members on qualifying in-club purchases, totaling 5% for Plus members on Sam's Club purchases.
Sam's Club Purchases Cash Back (Club Members)
2%Sam's Club Club members earn 2% cash back on eligible purchases at Sam's Club.
Dining & Takeout Cash Back
3%Earn 3% cash back on eligible dining and takeout purchases.
All Other Purchases Cash Back
1%Earn 1% cash back on all other eligible purchases made with the Sam's Club Mastercard.
Cash Back Redemption Options
Flexible redemption for Sam's Club purchases or cashCash back earned can be redeemed for Sam's Club purchases or as cash.
Security 2
Mastercard Zero Liability Protection
Full protection against unauthorized useProtects cardholders from unauthorized purchases made with their card. Cardholders are not held responsible for unauthorized transactions.
Mastercard ID Theft Protection™
Comprehensive identity theft resolution servicesProvides identity theft resolution services, including monitoring, alerts, and expert assistance to help restore identity if it is stolen.
Travel 1
Mastercard Global Service™
24/7 emergency assistance worldwideProvides 24/7 emergency assistance for card-related needs, including lost or stolen card reporting, emergency card replacement, and emergency cash advance.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Sign-Up Bonus
No Sign-Up Bonus Available
Click "Get Data" button below to fetch sign-up bonus information.
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $41.00 |
| Returned Payment: | $41.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 20.24% - 30.24%
Balance Transfer APR: 30.24%
Cash Advance APR: 31.24%
Intro APR Offers
Intro Purchase APR: 0% for 6 months
Promo Financing: Deferred Interest
Promo Duration: 6 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Sam's Club Mastercard (projected for 2026) requires applicants to be current Sam's Club members (Club or Plus), at least 18 years old (19 in AL/NE), a U.S. resident, and possess a valid SSN or ITIN. Approval is subject to Synchrony Bank's credit underwriting standards, generally requiring good to excellent credit history. The card's primary bonus structure is expected to remain: 5% cash back on eligible gas purchases (on the first $6,000 spent per year, then 1%), 3% cash back on dining and travel, and 1% cash back on all other purchases. Cash back is redeemable for Sam's Club purchases or as a cash disbursement. Application rules dictate that store-specific restrictions apply to earning and redemption, particularly concerning gas station eligibility and other member benefits.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony generally treats individual credit products independently. There are no significant 'card family' or 'once per lifetime' rules typically associated with the Sam's Club Mastercard. While approval for one Synchrony card does not strictly preclude approval for another, overall credit exposure and recent application history are considered during the underwriting process.
Special Events: Sam's Club 'Instant Savings' events, Member-only savings, seasonal promotions, special pricing on gas for members, and exclusive product launches.
Holiday Promos: Black Friday, Cyber Monday, Christmas/Holiday season, Memorial Day, 4th of July, Labor Day, and other major retail holidays often feature enhanced savings or special offers for Sam's Club members.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Excellent rewards on gas (5%) and good rewards on dining/travel (3%). No annual fee and useful for Sam's Club members.
Top Negative:
Low 1% cash back on Sam's Club purchases. Redemption process can be inconvenient. Some users report issues with Synchrony customer service and high APR.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- BJ's One Mastercard
- Chase Freedom Unlimited
Card Value Score: 85.0 / 100
Est. Annual Rewards: $480.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0