Sam’s Club Credit Card Review (2020.1 Update: $45 Offer)

Sam’s Club MasterCard Review

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  1. Get $45 back! Paid as a statement credit when you open a new Sam’s Club® credit card and spend $45 at today. Offer ends 6/15/20.*
  2. Earn 5% cash back on eligible gas worldwide, including gas at Sam’s Club (on the first $6,000 per year, then 1% after).
  3. Earn 3% cash back on dining and travel.
  4. Earn 1% cash back on other purchases at Sam’s Club and wherever Mastercard is accepted.
  5. No foreign transaction fee.
  6. No annual fee if you are a Sam’s Club member.


  1. You need to be a Sam’s Club member to be eligible for this card. Its annual fee is $45 (lowest level membership).
  2. The 5% cashback on gas is only on the first $6,000 per year, then 1% after.
  3. Maximum of $5,000 in Cash Back rewards can be earned in a calendar year.

Recommended Application Time

  1. We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.


Good for a loyal Sam’s club shopper wanting cash back rewards. Good for a person considering being a new member of Sam’s club looking to earn cashback on gas, dining, and travel.

Historical Offers Chart

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* Offer subject to credit approval. Offer valid through Jan 15, 2020. To qualify, you must (i) open either a Sam’s Club® Consumer Mastercard® or Sam’s Club Personal Credit account and (ii) make a purchase of $55 or more the same day you open your account via or the Sam’s Club app (excluding cash advances, gift card sales, alcohol, tobacco and pharmacy purchases). A $55 credit to the account will appear within 90 days after the qualifying purchase is made. Offer is valid for newly opened accounts only and each account is eligible for only one $55 offer.

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