Sam's Club Mastercard Calculator

Card Details & Sam's Club Cash Rewards Calculator
5% Gas
3% Dining
3% Travel

Review the benefits of the Sam's Club Mastercard, calculate how much cash back you can earn based on your spend, and compare results to top rewards cards.


The Sam's Club Mastercard does not shine when it is used at Sam's Club. In fact, it's pretty bad as you'll only earn 1% cash back when you use it in-store and online at their store. Where the card does shine is in the travel department. The Sam's Club Mastercard offers a magnificent 5% return on gas purchases and a wonderful 3% return on travel and dining purchases. The only drawback to the Sam's Club Mastercard is that you receive all the rewards you've earned during the year the following February. If you don't mind receiving your rewards once per year, the Sam's Club Mastercard can be a very reward travel card.

Bonus Categories

The Sam's Club Mastercard features 3 bonus categories which are gas station, dining, and travel purchases. The gas station category has a cap of $6,000 per year in purchases. Once that cap is hit, you will earn at the non-bonus category rate of 1% for the remainder of the calendar year. There is no cap on the bonus cash back earned spending in the dining and travel categories.

You can earn up to $5,000 in cash back per calendar year spending on the Sam's Club Mastercard. Once you hit that limit, you'll earn 0% cash back using the card. This is not something you should be concerned about unless you're spending a hundreds of thousands on the card. For example, you would need to spend $166,666 between travel and dining alone to earn $5,000 in cash back.

  • 5% U.S. Gas Station
    • Includes Sam's Club gas stations, Walmart gas stations, and other gas stations coded as such.
    • You will not earn 5% at other (competitor) grocery and warehouse gas stations (e.g. Costco, BJs, Publix, Meijer).
    • You'll only earn rewards on gas stations in the U.S. (including Puerto Rico).
  • 3% Dining
    • Includes fast food, fine dining, drinking places (bars), and caterers.
  • 3% Travel
    • Travel is considered to be categories such as:
      • Airlines
      • Rental Cars
      • Hotels
      • Passenger Rail Travel
      • Bus Lines
      • Cruise Lines
      • Timeshares
      • Travel Agencies
      • Travel Sites
      • Tour Operators
  • 1% Non-Category
    • Includes shopping at Sam's Club.

Perks & Benefits

The Sam's Club Mastercard does not offer any special benefits specific to the card itself. The card will double as your Sam's Club membership card.

Sign Up Bonus (SUB)

The standard sign up bonus for the Sam's Club Mastercard will depend on the promotion but it is usually a $45 statement credit when you use the card to make $45 or more in purchases at Sam's Club on the same day. This is not as big of sign up bonus offered on other cards, but the return and earnings you can gain on the Sam's Club Mastercard makes this slightly overlookable.

Fees

Annual Fee

There is no annual fee for the Sam's Club Mastercard or Sam's Club Store Card, but the card does require you to have a Sam's Club Membership which will cost you $45 per year. This is wiped out by the initial sign up bonus, but you will have to pay this fee yearly.

Authorized User Fee

There is no authorized user fee for the Sam's Club Mastercard or Sam's Club Store Card. Adding family and friends as additional users to the Sam's Club Mastercard would be beneficial for any cardholder due to the excellent amount of cash back this card is capable of earning.

Foreign Transaction Fee

The foreign transaction fee for the Sam's Club Mastercard is 0%. This allows you to earn cash back rewards when spending internationally. While the gas station category is locked down to U.S. and Puerto Rico purchases, the dining and travel categories are wide open to the 3% earnings this card offers making this just as good as some of the top travel cards.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

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This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
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The total estimated value you can get out of this card and the amount of return for your spend.
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Total Return
The percent you are earning based on spend, earnings, and fees.

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