Does the Sam's Club Mastercard have an annual fee?

No. Our record lists a $0 annual fee for the Sam's Club Mastercard.

What does the Sam's Club Mastercard earn?

5x on Sam's Club purchases (Plus members), 5x on Gas (up to $6,000/year), 3x on dining and takeout, and 1x on other purchases. Some bonus rates are capped; see the rules and gotchas above.

Is the Sam's Club Mastercard worth it in the first year?

Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas (up to $6,000/year)), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.

What credit do I need for the Sam's Club Mastercard?

Our record lists "Good to Excellent" credit as the typical target for the Sam's Club Mastercard. Synchrony makes the final decision based on its own criteria.

Sam's Club® Mastercard®

Synchrony

No Annual Fee

Annual Fee

mastercardGood → Excellentno-annual-fee5 months ago

Welcome Offer

No Welcome Offer

OpenCard analysis

Is the Sam's Club Mastercard right for you?

The Sam's Club Mastercard is a no-annual-fee rewards card from Synchrony. Its strongest everyday earning is 5x on Gas (up to $6,000/year), with 1x on most other purchases. With no fee, the question is simply whether 5x on Gas (up to $6,000/year) beats what your current card earns there.

Who it's for

✓ People who spend steadily on Gas (up to $6,000/year), where it earns 5x
✓ Anyone who wants Gas (up to $6,000/year) rewards without paying an annual fee

Who should skip it

— Heavy spenders outside Gas (up to $6,000/year) — everything else earns 1x

First-year value estimate

Welcome bonus

Rewards on spending

$240

Annual fee (year 1)

−$0

Year 1, before credits

$240

Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).

Assumptions

$3,000 a year in Gas (up to $6,000/year) (5x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
No welcome bonus is listed in our record, so none is counted.
No annual fee in any year.

An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-27.

How it compares

American Express EveryDay →

American Express, same $0 annual fee; earns 2x on U.S. gas stations.

Costco Anywhere Visa Card by Citi →

Citi, same $0 annual fee; earns 4x on gas stations.

H-D Visa Signature →

U.S. Bank, same $0 annual fee; earns 3x on Gas stations and EV charging.

Compare side by side →

Rules and gotchas

Bonus cap on Gas (up to $6,000/year): 5% cash back on gas (up to $6,000 per year, then 1%)

Frequently asked questions

Does the Sam's Club Mastercard have an annual fee?: No. Our record lists a $0 annual fee for the Sam's Club Mastercard.
What does the Sam's Club Mastercard earn?: 5x on Sam's Club purchases (Plus members), 5x on Gas (up to $6,000/year), 3x on dining and takeout, and 1x on other purchases. Some bonus rates are capped; see the rules and gotchas above.
Is the Sam's Club Mastercard worth it in the first year?: Using our illustration ($12,000 of yearly spending, $3,000 of it in Gas (up to $6,000/year)), the first year comes out around $240 before credits, including a welcome bonus valued at $0. Year two drops to about $240 before credits.
What credit do I need for the Sam's Club Mastercard?: Our record lists "Good to Excellent" credit as the typical target for the Sam's Club Mastercard. Synchrony makes the final decision based on its own criteria.

Earning Rates

5×Sam's Club purchases (Plus members)5% back on eligible Sam's Club purchases for Plus members

5×Gas (up to $6,000/year)5% cash back on gas (up to $6,000 per year, then 1%)

3×Dining and takeout3% back on dining and takeout

1×All other purchases1% cash back on all other purchases

Other Benefits

Sam's Club Mastercard dual use

Also serves as Sam's Club membership card for scanning entry

Mastercard benefits

Standard Mastercard fraud protection

Insurance

Rental InsuranceSecondary

Purchase Protection

Extended Warranty

Sources

Last Updated: Apr 27, 2026