Calculate Cash Back For The Sam's Club Mastercard

Sam's Club Rewards Calculator
See how much cash back rewards you can earn with the Sam's Club Mastercard based on spend. Calculate value, review benefits, and compare side by side top rewards cards.
Last Updated 2021-03-26

The Sam’s Club® Mastercard® is a cash back credit card that is exclusively available for Sam's Club members. For spending at Sam's Club, it is the best option when you're a Sam's Club Plus Member.

As a Plus Member, the card will rake in a total of 5% back in which you'll earn 3% cash back with the card itself and 2% back as a Plus member.

Those with basic Sam's Club membership will only earn 1% back when using the card at Sam's Club and of course will not receive any bonus cash back as a basic member.

In addition to the great earnings as a Plus member, the card also offers a magnificent 5% return on gas purchases and a wonderful 3% return on dining purchases. The only drawback to the Sam's Club Mastercard, in my opinion, 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 rewarding card.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Sam's Club Mastercard features 3 bonus categories which are Sam's Club, gas station, and dining 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 other categories.

  • +3%/1% Sam's Club
    • Sam's Club Plus members will earn 3% cash back when spending at Sam's Club with the Sam's Club Mastercard
      • Plus members already earn 2% back on Sam's Club spending for being a plus member.
      • This means Sam's Club Plus members will earn a total of 5% back on eligible Sam's Club spend.
    • Non-Plus members will earn 1% cash back when spending at Sam's Club.
  • 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.
  • 1% Non-Category

For this calculator you can choose how you want to calculate the Sam's Club earnings. The card itself earns either 1% or 5% based on your Sam's Club membership. You'll also have the option to just calculate the 3% earning rate as well.

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.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

Credit Card

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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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
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These are similar cards based on earning structure and other benefits (that aren't part of the same family).
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
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Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
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Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
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Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
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This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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