Cash Back Rating:
2.9 rating
2.9 rating
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Rewards Value: | 3.0 |
Annual Percentage Rate: | 3.0 |
Rewards Flexibility: | 3.0 |
Features: | 2.0 |
With the exception of ample cash back at Sam’s Club gas stations, the Sam’s Club Mastercard is best reserved for making gas and dining purchases outside the warehouse club.
All information about the Sam’s Club Mastercard has been collected independently by CreditCards.com and has not been reviewed by the issuer.
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Account opening offer statement credit if you spend in Sam’s Club purchases within 30 days of opening the account |
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Other Notable Features: No foreign transaction fees, special financing deals (beware deferred interest), Skip to content
DeviceMAG » Gadgets » Cellphones
Q Link Wireless is a company that provides free government-subsidized cell phones and monthly cell phone service for eligible low-income individuals. If you are a Q Link Wireless customer and your phone is lost, stolen, or damaged beyond repair, you may be eligible for a replacement phone.
To order a Q Link Wireless replacement phone, you have several options. You can pay with a credit or debit card in your name, a prepaid credit gift card that can be purchased with cash, or even a money order. This provides flexibility for customers who may not have access to traditional payment methods.
You can order your replacement phone online or over the phone by calling 1-(855) 754-6543. This makes it easy for customers to order a replacement phone from the comfort of their own home, without having to go to a physical store.
If you have successfully transferred your current phone number to Q Link Wireless and completed the one-time copayment of .01 for the Tablet, you may be eligible for a free phone. The Tablet offer is funded by the ACP and is only available for customers who have not used their device discount from the ACP program before.
Additionally, Q Link Wireless offers an online selection of phones for customers who wish to purchase an upgraded handset. All qualified customers are eligible for a free smartphone and free monthly phone service.
Q Link Wireless provides a convenient and affordable option for low-income individuals who need a cell phone. With their easy ordering process and flexible payment options, customers can easily replace a lost or damaged phone and continue to stay connected.
To replace a QLink phone, there are a few steps you can follow. Firstly, you need to visit the QLink Wireless website or call their customer service number at 1-(855) 754-6543 to begin the replacement process. You will be asked to provide your personal information, such as your name, QLink phone number, and address.
Once your information is verified, you can choose the replacement phone that you want from the available options. You may have to pay a fee for the replacement phone, depending on your QLink Wireless plan. You can make the payment using a credit or debit card in your name, a prepaid credit gift card, or money order.
After you have selected the replacement phone and made the payment, you will receive a confirmation email or message with the estimated delivery date. It may take a few days for the replacement phone to arrive, depending on your location.
Once you receive the replacement phone, you will need to activate it. You can do this by logging into your QLink Wireless account online or by calling their customer service number. They will guide you through the activation process and help you transfer your existing phone number and service plan to the new phone.
In summary, to replace a QLink phone, you need to visit their website or call customer service, choose a replacement phone, make the payment, wait for delivery, and activate the new phone.
To get a free phone from QLink, you need to successfully transfer your current phone number to QLink Wireless and complete the one-time copayment of .01 for the Tablet. It is important to note that the Tablet offer is funded by the ACP and is only available for customers who have not used their device discount from the ACP program before. Once you have completed these steps, you will be eligible to receive a free phone from QLink Wireless. It is recommended that you check the QLink Wireless website for additional information and eligibility requirements.
Customers can upgrade their Lifeline phone. The Lifeline program allows eligible low-income households to receive a discount on a monthly phone service plan. To upgrade the Lifeline phone, customers can visit the Lifeline provider’s website and browse through the selection of available phones. They can choose a phone that meets their needs and budget and follow the instructions to complete the upgrade process. It is important to note that customers may need to re-verify their eligibility for the Lifeline program when upgrading their phones. Additionally, some Lifeline providers may charge a fee for upgrading the phone, so it is recommended to check with the provider for any additional costs.
Q Link Wireless provides a free smartphone to all qualified customers. This means that if you meet the eligibility requirements for the program, you will receive a complimentary smartphone. Additionally, Q Link Wireless also offers free monthly phone service to qualified customers. The free phone service includes unlimited talk and text, as well as a set amount of data each month. Q Link Wireless is committed to providing affordable and accessible phone service to those who need it most.
Q Link Wireless offers a convenient and accessible way to order a replacement phone. Customers can choose from a variety of payment options, including credit or debit cards, prepaid credit gift cards, or money orders. It is important to note that customers can also receive a free phone by transferring their current phone number to Q Link Wireless and completing a one-time copayment of .01 for the Tablet. Additionally, customers can purchase an upgraded handset through our online selection of phones. With Q Link Wireless, customers can enjoy free monthly phone service and a free smartphone, making it an excellent option for those looking for affordable and reliable wireless service.
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The Sam’s Club Mastercard, issued by Synchrony Bank, should be at the top of your list if you’re a frequent Sam’s Club shopper or you’re someone who commutes to work. This card offers an exemplary rewards rate on gas and dining, and it even doubles as your membership card for ultimate convenience.
However, there are several earning caps to be aware of that limit this card’s overall value. Plus, you’ll only earn a great rate on Sam’s Club purchases if you’re a Sam’s Club Plus member.
Read on to learn how the Sam’s Club Mastercard doles out rewards, where its weaknesses are and who it’s best for.
The Sam’s Club Mastercard comes with some very rewarding bonus categories that can apply to almost anyone. For example, cardholders earn 5% back on up to ,000 in gas purchases each year (then 1% back) anywhere Mastercard is accepted. If someone is able to max out this benefit with 0 in gas purchases each month, they would earn 0 in cash back in this category alone every year.
All cardholders also earn 3% back on dining purchases, including takeout.
Cardholders who are also Sam’s Club Plus Members earn 5% back total on Sam’s Club purchases (3% for paying with the card and another 2% as a Plus member), including items bought at SamsClub.com. If you’re a regular Sam’s Club member, however, you’ll only earn 1% back on Sam’s Club purchases and other items you buy. Considering this card is a co-branded card with Sam’s Club, the 1% earning rate on Sam’s Club purchases for regular members is definitely subpar.
Also note that some restrictions apply. In addition to the earning cap on gas purchases, the fine print for the Sam’s Club Mastercard also says your cash back rewards are capped at ,000 per year. That’s a huge threshold to meet, but it’s still worth noting if you spend a lot of money and have a high cash back potential as a result.
Let’s say you buy gas and groceries at Sam’s Club, and that you spend around what the average family spends. According to the U.S. Bureau of Labor Statistics, the average family spent approximately ,094 on gasoline per year at last count. Meanwhile, the United States Department of Agriculture (USDA) estimates that the average family of four on a moderate budget spends up to ,128.20 per month on groceries.
With these levels of spending, you would earn this much in rewards on gas and Sam’s Club purchases as a Sam’s Club Plus member:
If you’re a regular member, you would earn this much in rewards:
The Sam’s Club Mastercard comes with even more stipulations within its rewards program. For starters, you get your rewards from the prior year in February of each year, and your rewards are automatically added to your Sam’s Club account. From there, you can only redeem them for purchases or cash back at Sam’s Club locations.
While your rewards won’t expire as long as you’re a member and you use them before their expiration date, you won’t be able to redeem your rewards if you give up your Sam’s Club membership for any reason – for example, if you move and don’t even live near Sam’s Club anymore.
The fine print for this card goes on to say that, if your Sam’s Club membership ceases, “the rewards may not be redeemed until such membership is reactivated.”
How do rewards expiration dates work? Sam’s Club is pretty cryptic about this on their website.
Specifically, they say that “your unredeemed cash back rewards will expire as of the date listed on the reward notification you will receive when the cash back rewards are issued to your Sam’s Club membership. Any unredeemed cash back rewards will be forfeited upon the expiration date if unused.”
When you sign up for the Sam’s Club Mastercard, you get the chance to earn a statement credit of when you open an account and make a Sam’s Club purchase of within 30 days. We likely do not have to tell you that this “sign-up bonus” is pretty unimpressive and that most rewards cards offer much better bonus offers.
If you really want to earn a big bonus within the first few months of account opening, we suggest checking out our guide to the best credit card sign-up bonuses.
The Sam’s Club Mastercard doesn’t charge an annual fee, which is not that surprising. However, one benefit of this card is the fact that it doesn’t charge any foreign transaction fees.
Cardholders who carry a balance will pay a variable APR of 15.65% to 23.65% depending on their creditworthiness. Other fees to be aware of include a 4% balance transfer fee (minimum ), a 3% cash advance fee (minimum ) and a late fee of up to .
The Sam’s Club Mastercard is pretty light on perks, which is pretty normal considering it’s a credit card for groceries and gas at heart. With that being said, there are some benefits you may actually care about:
While the Sam’s Club Mastercard is co-branded with this bulk retail store, you can use any cash back credit card to shop here. To help you decide whether the Sam’s Club Mastercard is for you, we decided to compare it to other rewards credit cards for gas and groceries.
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Starfield Backgrounds and the best ones to chooseWhich is the best Starfield background for you to pick? ![]() What are the best Starfield backgrounds? Each of the 21 backgrounds in Starfield gives you a point in three different starting skills, giving your first few hours quite a bit of variation from other players' opening play-sessions. Combine it with up to three Starfield traits, and you'll have a character who is very much your own as you set foot for the first time into the Settled Systems. But with 21 backgrounds to choose from covering 26 different Starfield skills and abilities, it's pretty easy to get decision paralysis. In this guide, we'll walk you through every Starfield background and its starting skillset, along with our opinions on the very best Starfield backgrounds to pick for a player just starting their playthrough of Bethesda's enormously ambitious RPG. So read on to find out whether you'd rather be a Beast Hunter or a Xenobiologist, a Sculptor or a Gangster, a Homesteader or a Ronin. All Starfield backgrounds
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What are the best Starfield backgrounds?It's hard to decide upon a universal "best" background to pick during the Starfield character creation process, because everyone has a different playstyle, and no matter your background's starting skillset you can always change your character's focus and abilities later on anyway. But there are still a few backgrounds which we think provide a really solid starting point for most characters. Out of all the 21 different types available, our picks for the best Starfield backgrounds are the Combat Medic, the Ronin, the Bounty Hunter, the Industrialist and the Soldier. Here's why these are the best Starfield backgrounds to pick:
Every Starfield background explainedBelow we'll walk you through each of the 21 Starfield backgrounds, and explore why you might want to pick (or avoid) each one: Beast Hunter![]() Starting Skills:
In a game where many of your actions both in and out of combat are dictated by your Oxygen (stamina) levels, the Beast Hunter is a solid background choice simply because of its point in Fitness, which boosts your maximum Oxygen. The Beast Hunter is more than that, though - it's an early game powerhouse in fights thanks to its increased damage with Ballistic weapons, and the ability to research and craft speciality food and drinks to give yourself the right buffs just when you need them. Official Description: "From the Ashta of Akila to the Terrormorphs that plague the whole of the Settled Systems, hostile alien life abounds. You've learned the skills to track them, find them, and take them down." Bouncer![]() Starting Skills:
As you might expect, the Bouncer is a solid choice out of the more physical backgrounds in Starfield, particularly if you like the idea of unarmed attacks, which do a hefty 25% more damage thanks to the Boxing skill. Add to this the extra stamina from Fitness and the ability to hack Advanced locks, and the Bouncer gets players off to a very strong start. However, it really comes down to whether or not you think Boxing fits the playstyle you want to adopt throughout your playthrough, or whether you think it'll be a wasted skill point. Official Description: "You've worked the line at the toughest clubs in the Settled Systems. Back then, you learned that most non-lethal confrontations can be solved one of two ways: a strong right hook, or a more strongly secured door." Bounty Hunter![]() Starting Skills:
The Bounty Hunter is an excellent background pick for players who want to make early use of their first spaceship in Starfield. Piloting gives the Bounty Hunter access to ship thrusters early on, and - even more excitingly - Targeting Control Systems allows you to target and disable specific areas of an enemy ship, potentially so you can board them and take your bounty home alive. And that's not mentioning the Boost Pack Training you receive as a Bounty Hunter, which allows you to use Starfield's famous jetpack from day one. Bounty Hunter is a strong contender for my favourite starting background. Official Description: "Wherever there are wanted individuals, there are those who profit from their capture. And your quarry knows that in the vastness of space, they can run... but they can't hide." Chef![]() Starting Skills:
You might think picking the Chef background isn't exactly a great choice for combat, but actually it's a solid option for close-quarters bruiser playstyles thanks to your proficiency with melee weapons. Scavenging is always handy for finding extra loot everywhere you go, and it's at its most useful early on in the game. And Gastronomy can be useful if you're planning to delve deep into Starfield's sumptuous array of consumables. Some of those foods and drinks can be of real benefit if you remember to use them. Official Description: "While the unrefined masses scarfed down Chunks by the shipload, you catered to those with a more... discerning palate. In your kitchen, countless alien species became true culinary masterpieces." Combat Medic![]() Starting Skills:
The Combat Medic is a fantastic vanilla option when it comes to picking your Starfield background. Healing items are more effective, and your carrying capacity is increased - fantastic for players like me who loots everything that isn't nailed down. Pistol Certification may or may not be your cup of tea, but even if not, you can always ignore it and invest points into other combat styles later on. I will say though - if you invest in Pistols, they can be about as strong as any weapon class in the game. Official Description: "Leave it to human beings to fight over something as infinite as outer space. That's where you come in. You've never been afraid to take on the enemy... but you'd much rather take care of your friends." Cyber Runner![]() Starting Skills:
The Cyber Runner background gives you a set of skills that's far more suited to the sneaky player, giving you a Stealth Meter from day 1 to make it easier to avoid detection by enemies. You also gain the ability to pickpocket targets, and hack Advanced locks. If you wanted a stealthy playthrough in Starfield and you didn't have any starting skills, these would almost certainly be the three you'd pick up first anyway, so the Cyber Runner is a great background choice for players who don't like to go in guns blazing all the time. Official Description: "From Neon to New Atlantis, the megacorps stand as monuments to power, prestige and profit. You've worked both for and against them, on the inside and out, often sacrificing conscience for credits." Cyberneticist![]() Starting Skills:
The Cyberneticist spreads your skillset fairly wide to begin with, which isn't necessarily a bad thing. You get some extra damage with laser weapons, and extra survivability in the form of the Medicine skill, which increases the effectiveness of your healing items. Add to this the ability to hack Advanced locks on doors and containers from the opening moments of the game, and you've got a strong and diverse opening Background that will happily evolve into any playstyle you like. Official Description: "Robots? Mere toys. Neuroamps? Good for parlor tricks. The Colony War may have made implants and upgrades available to veterans, but you once saw a greater future. Humans and machines, as one." Diplomat![]() Starting Skills:
For players who want to talk (rather than shoot) their way through Starfield, the Diplomat background is the ideal choice. Not only do you gain a boost to your Persuasion, making you more likely to succeed during speech challenges, but you also get more bang for your buck while trading, and even get a point into Wellness for some extra maximum health - although I'm not sure why Diplomats are healthier than Bounty Hunters... But ah well, let's not think too much about it. Official Description: "The wars are over. Peace now reigns in the Settled Systems. But only because there are those quietly fighting to keep it. Because of you, agreements were signed, words were heeded... lives were spared." Explorer![]() Starting Skills:
The Explorer background bridges the gap between combat effectiveness, traversal, and gathering useful resources. Laser weapons deal more damage with the Explorer, and a point in Astrodynamics allows your ship to reach destinations more easily while you hop across the Settled Systems. The extra range and zoom level of your hand scanner can be useful at times for sniffing out useful resources. Overall though, I'd class the Explorer as a lower-tier background in terms of the skillset it offers new players. Official Description: "They said exploration is a lost art. You didn't listen. As the major factions argued over the space they desperately tried to control, you were busy uncovering the wonders of the Settled Systems." Gangster![]() Starting Skills:
Gangsters like to get up close and personal with their targets. If you fancy a close-quarters playstyle in combat, then the double-whammy of increased Shotgun damage and powerful unarmed attacks should make the Gangster a very enticing choice of background. You also gain the ability to pickpocket targets from day one, which is always handy. But the real focus of the Gangster is in close-range combat. Official Description: "You were always disgusted by suckers killing themselves to make an 'honest wage.' As soon as you were old enough to hold a weapon, you took what you wanted from anyone unlucky enough to have it." Homesteader![]() Starting Skills:
The Homesteader could not be less interested in combat. This peaceful background instead focuses on obtaining resources, with the Geology skill allowing you to get more resources from minerals and ores, the Surveying skill allowing you to sniff out those ores in the first place, and the Weight Lifting skill allowing you to hold more on your person before becoming overencumbered. It's a neat little trio of skills with a clear focus, but there are more important skills elsewhere, so we can't recommend the Homesteader as a particularly effective background pick. Official Description: "The discovery of the Settled Systems' many oxygen-rich planets and moons meant humans could live just about anywhere... if they had the know how. You did, and utilized it to great effect." Industrialist![]() Starting Skills:
The Industrialist background brings players a solid selection of non-combat skills which are of good use to any player. Probably the most important is the increased persuasion success chance, which has the potential to completely change your game depending on the dialogue options you take throughout a playthrough. Security crops up again as a popular background starting skill, and for good reason. And Research Methods, while not very flashy, is a lovely little skill that ticks away in the background making life easier by saving resources and allowing you to research and craft cool stuff sooner. It's a versatile background that can be built however you see fit beyond character creation, because these three skills will never not be useful. Official Description: "There was a time when all you wanted to be was a titan of industry, maybe a ship designer, or megacorp exec. Thankfully, that skillset never goes out of style in the Settled Systems." Long Hauler![]() Starting Skills:
The Long Hauler background gives you an early focus in spaceship management, which will be of great interest to certain players, and little interest to others. Weight Lifting is always a very useful skill to have, although you might consider only putting points into it when you come up against the carry capacity threshold. Piloting and Ballistic Weapon Systems will give you a good bearing on ship combat and movement, but overall it's not one of the most effective skillsets compared to other backgrounds in Starfield. Official Description: "Let those other hotheaded pilots obsess over laser weapons and manoeuvrability. You're a space trucker, pure and simple. Pack the cargo, get it there fast, get paid, repeat. Life is simple and good." Pilgrim![]() Starting Skills:
Like certain other backgrounds, the Pilgrim is very much suited to finding and obtaining items and resources, rather than fighting or interacting with other people. Gastronomy and Scavenging, while not the most immediately alluring skills, are very useful to have when they've been given to you for free at the beginning of the game. And Surveying gives your hand scanner extra range, which helps with tracking down and obtaining useful materials. Official Description: "Wayfarer, wanderer, seeker... transient. You've been called many things during your travels, and learned something those others could never understand - the journey IS the destination." Professor![]() Starting Skills:
The Professor background, as you'd expect, is not a background to pick if you're planning to be the ultimate fighting champion in the Settled Systems. Instead, the Professor background both makes it easier to obtain minerals and other materials, and also makes those materials go further by reducing the cost of item crafting and research projects. You also get the token benefit of an increased grav jump range on your ship, which is always welcome. Official Description: "You always enjoyed learning, but nothing could compare to the joy of teaching others. As humankind spread throughout the stars, there was never a lack of knowledge to obtain, and you gladly assisted." Ronin![]() Starting Skills:
The Ronin is likely to be a very popular choice of background for new Starfield players. Not only is the whole idea of being a Ronin extremely cool, the starting skillset it provides is very powerful, giving you a balance of stealth specialism, extra credits while looting, and a strong boost to melee weapon damage. So if you're interested in sneaking up on enemies and stabbing them in the back for huge damage, there's no background option better than Ronin. Official Description: "Masterless and unbound, you wandered the Settled Systems as a blade for hire. To some, you were a simple mercenary. To others, a hero. And to a select few... a nightmare they could never wake from." Sculptor![]() Starting Skills:
The Sculptor offers players a widespread range of fairly useful skills, which allows you to take the character in any direction you like after character creation. A point in Persuasion early on is very useful for convincing NPCs to do what you like, while Medicine keeps you alive if things go south. Geology helps the Sculptor get more resources from minerals and ores. It's a decent skillset, albeit one without any particular focus or strengths. Official Description: "With your knowledge of anatomy and skilled, steady hands, you could have had a lucrative career as a surgeon. Instead, you followed your heart, and created works of art to amaze and inspire." Soldier![]() Starting Skills:
The Soldier, as you might imagine, is a good choice of background for players who want an edge in early-game combat situations. The prime bonus is Boost Pack Training, which gives you a jetpack from day one - extremely useful to have. Fitness is another very solid skill which increases your max Oxygen, allowing you to do more stamina-consuming actions without needing time to recover. And while there are a lot of weapons in Starfield that aren't Ballistic in nature, you'll come across a fair few ballistic weapons early on, and the Soldier does more damage with those, making this background one of the best for early fights. Official Description: "The Settled Systems is no stranger to warfare, and if there's one thing armed conflict relies on it's trained warriors with guns and guts. You had both. Simple, bloody work... and you were great at it." Space Scoundrel![]() Starting Skills:
The Space Scoundrel background is essentially modelled after Han Solo - you get a point in Piloting for utilising ship thrusters early on; a point in Persuasion for using your silver tongue and roguish charm to get out of difficult situations; and when that fails, a point in Pistol Certification so that your sidearm packs an extra punch. It's a very solid starting background that takes some of the best opening skills from three different trees and puts them together in a backstory that makes logical sense. Official Description: "Good? Bad? Whose right is it to say? If there's anything you've learned while traipsing through the galaxy, it's this: space may look black, but it's really one big shade of grey." Xenobiologist![]() Starting Skills:
As we all know, Xenobiologists are fantastic with laser weapons. Oh, you didn't know that? Well, that sure is the case in Starfield. Aside from this rather random combat benefit, the Xenobiologist background gives you extra maximum Oxygen, which is just universally useful for every character; and a point in Surveying like the Explorer and Pilgrim, which gives your hand scanner some extra range for sniffing out useful resource deposits and other scan targets. Official Description: "The Settled Systems is home to untold alien species. And while none of them have yet proven sentient, that never deterred you. So you sought out and studied them for whatever gifts they offered." File Not Found![]() Starting Skills:
Despite its nebulous nature, the File Not Found background is actually one of the overall best backgrounds to pick early on. Wellness and Piloting are two skills that you'll eventually want every character to have no matter what style of play you're after, and Ballistics helps round out the skillset by providing you with some extra damage potential early on. It's a solid pick if the idea of not having a known backstory appeals to you. Official Description: "Oddly, there is no information on file about your past life. Clerical oversight? Deletion by some powerful unknown faction? Or was there just nothing of note to mention? Whatever the reason, your past is known only to you. What's important is the here and now, and the path you're about to forge..." Looking for a few more tips to get you started on your Starfield journey? Check-out our Starfield primers on lockpicking, getting rich, and levelling quick. We've also got handy guides on the Starfield romance options, console commands and cheats and a list of all Item IDs. Read this next
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Ollie Toms: Ollie is sheriff of Guidestown at RPS, and since joining the team in 2018, he's written over 1,000 guides for the site. He loves playing dangerously competitive games and factory sims, injuring himself playing badminton, and burying his face in the warm fur of his two cats.
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As you compare these cards, it’s easy to see how the Chase Freedom Unlimited® stands out. There is a broader range of bonus categories including dining and drugstores, and all of your regular purchases will earn a flat 1.5% back. This card also offers a sign-up bonus, and there’s no annual fee to boot.
In addition to offering a breadth of insurance and travel protections, the Chase Freedom Unlimited also lets you redeem your rewards for cash back, statement credits, merchandise, gift cards and even travel.
If you don’t have a big box membership yet and you may give Costco a try, you should also check out the Costco Anywhere Visa. This card also offers an excellent cash back rate on gas and EV charging purchases, but you’ll probably notice that it gives you 2% back on Costco and Costco.com purchases, compared to the 1% back Sam’s Club regular members get with their co-branded card.
On the other hand, the Costco Anywhere Visa also comes with similar restrictions on their rewards. You only get your rewards once per year, and they are only good at Costco.
If you really want a flat-rate rewards card with fixed bonus categories and no earning caps, check out the Wells Fargo Active Cash Card. Not only do you get the chance to earn a 0 cash rewards bonus when you spend 0 in purchases within three months of account opening, but you earn a flat 2% cash rewards on purchases.
This card doesn’t charge an annual fee, and you get cellphone protection coverage when you pay your phone bill with your credit card.
Since the Sam’s Club Mastercard offers cash back rewards with no annual fee, it’s hard to complain too much about it. Then again, there are rewards caps and limits with this card, and you can only redeem your rewards for cash back or merchandise by visiting Sam’s Club.
That makes the Sam’s Club Mastercard pretty inconvenient when you compare it to other cards with flexible rewards and fewer limitations. While the Sam’s Club Mastercard could be the best fit for your needs, we suggest comparing it to other cash back credit cards that offer bonus rewards on groceries, gas or both.
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