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Sam's Club Membership Value: Is It Worth It?

Get the rundown on earning Sam's Cash in the Sam's Club Rewards program, calculate how much you can earn, and find out if membership is worth it.
Written By: Robert Flowers III
Updated On: 12-04-2024
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Sam's Club Rewards Quick Overview

  • Sam's Cash Rewards: Sam's Cash is the rewards currency of the Sam's Club Rewards program, earned through eligible purchases.
  • Sam's Club Plus Membership Perks: Plus members enjoy exclusive benefits, including the ability to earn Sam's Cash on in-store purchases at Sam's Club locations.
  • Earning with the Sam's Club Mastercard: Use the Sam's Club Mastercard to earn Sam's Cash in-store, online at Sam's Club, and anywhere Mastercard is accepted.
  • Maximize Rewards: Combine a Sam's Club Plus membership with the Sam's Club Mastercard to earn 5% back in-store and 3% back online with Sam's Club, maximizing your Sam's Cash earnings.
  • Designed for Synergy: The program is tailored for the Sam's Club Plus membership and the Sam's Club Mastercard to work together. Neither offers optimal value alone if you shop at Sam’s Club regularly.
  • When Plus Membership Pays Off: The Plus membership is the better choice if you spend over ,000 annually at Sam’s Club or if you already have the Sam's Club Mastercard, making it a smart upgrade for frequent shoppers.
Loading...

What is Sam's Cash?

Sam's Cash is the rewards currency of the Sam's Club Rewards program. You can earn it through:

  • Sam’s Club Plus Membership: Earn rewards on in-club purchases.
  • Sam’s Club Mastercard: Earn cash back on purchases anywhere Mastercard is accepted.

Redeem Sam's Cash for:

  • Purchases in-club or online at Sam’s Club.
  • Paying Sam’s Club membership fees.
  • Cash back in-club.

Earning Sam's Cash with Plus Membership

Sam's Club offers two membership types:

  • Sam's Club Membership: Basic membership for in-club shopping, but it does not earn Sam's Cash on purchases.
  • Sam's Club Plus Membership: A premium membership with added benefits, including the ability to earn Sam's Cash on qualifying purchases.

Key Benefits of Sam's Club Plus Membership

  • 2% Sam's Cash on qualifying Sam's Club purchases
  • Increased earnings with the Sam's Club Mastercard
  • Free shipping with no minimum shopping online at samsclub.com
  • Early shopping hours before the store is opened to the public (select stores)
  • Free select prescriptions at the pharmacy
  • 20% discount on eyeglasses and free shipping on contact lenses

Cost Comparison

Sam's Club Plus membership costs 0 per year whereas the basic Sam's Club membership will cost you . This is a net difference of , so you'll want to make sure you're getting enough value out of Plus membership to make the extra cost worth it.

sams club perks
If you frequently shop at Sam's Club, the Plus membership will pay for itself and more.

Earning Limits & Details

As a Sam's Club Plus member, you'll earn 2% back in Sam's Cash on qualifying pre-tax purchases minus any redeemed savings or discounts during a membership year with a maximum reward of 0 per membership per 12-month period. This means you can earn on up to ,000 in spend per membership year.

Only the primary member or complimentary household cardholder (usually a spouse, roommate, etc.) can earn Sam's Cash on purchases. Add-On members will not earn Sam's Cash for the primary member nor will they earn rewards for themselves.

sams club membership cost
more per year will grant you access to additional benefits and the ability to earn Sam's Cash.

Is Sam's Club Plus Membership Worth It?

Whether or not Sam's Club Plus membership is worth it will depend on how much you spend in-store at Sam's Club locations. It is worth it if:

  • You Spend Over ,000 Annually: If you shop in-club and spend more than ,000 per year (or about 0 per month), the 2% Sam's Cash you earn can offset the extra cost compared to the basic membership.
  • You Value Additional Benefits Exceeding : The Plus membership offers perks like free shipping, early shopping hours, free select prescriptions, and various discounts. If these benefits provide more than in annual value to you, upgrading makes sense.
  • You Have the Sam's Club Mastercard: Plus members with the Sam’s Club® Mastercard® earn 5% back in Sam’s Cash on Sam’s Club purchases, while non-Plus members only earn 1%. If you already have the Mastercard, upgrading to Plus maximizes your rewards potential.

Earning Sam's Cash with the Sam's Club Mastercard

The Sam's Club Mastercard is a powerful tool for earning Sam's Cash, offering rewards on purchases wherever Mastercard is accepted. It’s especially valuable for Sam's Club Plus members, who can earn up to 5% back in Sam's Cash on Sam's Club purchases—making it the top card for frequent shoppers.

For basic members:

Basic Sam's Club members only earn 1% back on Sam's Club purchases, which is a relatively low return. Without a Plus membership, consider a flat-rate 2% cash back card like the Citi® Double Cash Card or Wells Fargo Active Cash℠ Card for better rewards on Sam’s Club purchases.

Why it's best for Plus members:

As a Plus member, the Sam's Club Mastercard offers unbeatable rewards with up to 5% back in Sam's Cash on Sam’s Club purchases—maximizing your savings and rewards potential. This is unobtainable with most leading rewards credit cards and is the best option if you frequently shop in-store and online at Sam's Club.

Earn even more Sam's Cash:

In addition to earning up to 5% back in Sam's Cash at Sam's Club, the Sam's Club Mastercard also earns:

  • 5% back in Sam's Cash at Gas Stations (includes Sam's Club and Walmart gas stations, but not competitor gas stations like Costco and BJ's)
  • 3% back in Sam's Cash on dining (includes fast food, bars, fine dining, and caterers)
  • 1% back in Sam's Cash everywhere else Mastercard is accepted
Sam's Club Mastercard Calculator

Want to know how much Sam's Cash you can earn with the Sam's Club Mastercard? Use our rewards calculator to calculate total Sam's Cash and card value based on your monthly spend across various categories on the card.

Compare results side-by-side other top rewards credit cards including those from Costco, BJ's, and more!

Learn More & Calculate Sam's Cash

Sam's Club Mastercard Limits:

Sam's Club Mastercard holders can only earn up to ,000 in Sam's Cash in a calendar year. This is across all business and personal accounts attached to the Sam's Club membership. Once the cap is hit, you will earn no more Sam's Cash for the remainder of the year.

How much Sam's Cash can you earn?

Use our Sam's Cash Calculator to determine how much Sam's Cash you can earn spending in-club and online with Sam's Club. This will give you an idea of whether or not Plus membership is worth it. As a reminder:

  • Plus members only earn Sam's Cash on purchases in-club while the Sam's Club Mastercard earns Sam's Club cash anywhere Mastercard is accepted.
  • Plus members can only earn up to 0 in Sam's Cash per 12-month period—that's up to a total of ,000 in pre-tax purchases per membership year.
  • Sam's Club Mastercard holders can only earn up to ,000 in Sam's Cash per calendar year and once the cap is hit, the card will earn 0% on all purchases.
Sam's Club In-Club Spend
Enter how much you spend in-club at Sam's Club. This includes Curbside Pickup and Scan & Go checkout.
$
Per Month Per Year
Sam's Club Online Spend
Enter how much you spend online with Sam's Club.
$
Per Month Per Year
Method Total Sam's Cash Earned
Basic member with no Mastercard
Nothing. Nada. Zip.
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Credit Cards
Reviews Cash Back Credit Card Reviews Sam’s Club Mastercard review
Sam’s Club Mastercard review

Sam’s Club Mastercard review

Written by: Holly Johnson

Edited by: Emily Sherman

Reviewed by: Antonio Ruiz-Camacho

Updated: January 21, 2025

Written by: Holly Johnson

Edited by: Emily Sherman

Reviewed by: Antonio Ruiz-Camacho

Updated: January 21, 2025
ADVERTISER DISCLOSURE
Ratings Policy
Cash Back Rating:
2.9 rating
2.9 rating
2.9 / 5
Rewards Value: 3.0
Annual Percentage Rate: 3.0
Rewards Flexibility: 3.0
Features: 2.0

In a Nutshell:

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.

View similar retail rewards cards

Rewards Rate

  • 5% cash back on gas (up to first ,000 in purchases per year, then 1%)
  • 3% cash back on dining
  • 1% cash back other purchases
  • Maximum of ,000 cash back per year
Very Good

Account opening offer

statement credit if you spend in Sam’s Club purchases within 30 days of opening the account

Fair

Annual Bonus
None

Excellent

Annual Fee
No annual fee ( Sam’s Club membership required)

Excellent

Average Yearly Savings (,325 monthly spend)
9

Very Good

APR
20.40% or 28.40% Variable

Fair

Rewards Redemption

Pros

  • Cash back is automatically added to your Sam’s Club membership account
  • Can combine rewards with other offers
  • Access up to 0 cash at any Sam’s Club or Walmart register

Cons

  • Can only receive rewards once a year (in February)
  • Rewards can only be used for Sam’s Club expenses or statement credits unless you redeem for cash at a physical Sam’s Club location
  • Rewards expire if unused by Dec. 31 of each year
  • If your membership lapses before February, you lose your rewards
  • Maximum of ,000 in cash back rewards per year

 

Very Good

Other Notable Features: No foreign transaction fees, special financing deals (beware deferred interest),

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fraud liability, identity theft protection, EMV chip, doubles as your membership card

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.

Earning rewards

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.

Spending example

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:

  • Gas spending (,094 per year): 4.70 in cash back
  • Grocery spending (,538.40 per year): 6.92 in cash back

If you’re a regular member, you would earn this much in rewards:

  • Gas spending (,094 per year): 4.70 in cash back
  • Grocery spending (,538.40 per year): 5.38 in cash back

Redeeming 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.”

Current sign-up bonus

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.

Card rates and fees

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 .

Card perks

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:

  • No foreign transaction fees: When traveling abroad, you won’t be charged a fee on foreign transactions.
  • Doubles as membership card: You won’t have to carry a separate membership card since your Sam’s Club Mastercard is connected to your membership.

How does the Sam’s Club Mastercard compare to other cash back credit cards?

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.

Chase Freedom Unlimited®

Chase Freedom Unlimited®

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Wells Fargo Active Cash® Card

Wells Fargo Active Cash® Card

Rewards rate:
  • Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more.
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • 1.5% cash back on all other purchases.

 

 

 

 

Rewards rate:
  • Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first ,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases

 

Rewards rate:
  • Earn unlimited 2% cash rewards on purchases

 

 

 

 

 

 

Sign-up bonus:
  • Limited Time Intro Offer: Earn a 0 Bonus after you spend 0 on purchases in your first 3 months from account opening
Sign-up bonus:
  • None

 

 

Sign-up bonus:
  • Earn a 0 cash rewards bonus after spending 0 in purchases in the first 3 months

 

Annual fee:

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Annual fee:

Annual fee:

Other things to know:
  • 0% intro APR on purchases and balance transfers for 15 months, followed by 18.99% - 28.49% Variable. Intro balance transfer fee of either or 3% of the amount of each transfer, whichever is greater, in the first 60 days.
  • Get three free months of DashPass membership
  • Purchase protection
  • Extended warranties
  • Trip cancellation and interruption insurance
  • 3% foreign transaction fee
Other things to know:
  • No foreign transaction fees

 

 

 

 

Other things to know:
  • 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening, followed by a 19.24%, 24.24%, or 29.24% Variable APR
  • No foreign transaction fees
  • Cellphone protection

 

 

Chase Freedom Unlimited®

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.

Costco Anywhere Visa® Card by Citi

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.

Wells Fargo Active Cash Card

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.

Who should get the Sam’s Club Mastercard?

  • Current Sam’s Club members who like to shop at bulk superstores
  • Sam’s Club Plus members who can earn 5% total cash back on Sam’s Club purchases
  • People who spend a lot on gas and dining out
  • People are fine with earning rewards that have to be redeemed at Sam’s Club

How to use the Sam’s Club Mastercard:

  • Keep your Sam’s Club membership current through at least February when you can spend your rewards balance from the previous year.
  • Use the card to pay for gas and dining purchases to maximize your rewards.
  • Carry the card with you when traveling overseas to take advantage of no foreign transaction fees.
  • Pay your balance in full each month to avoid the high APR for purchases.

Is the Sam’s Club Mastercard worth it?

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.

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.

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Sam's Club Plus member
2% in-store, 0% online
Includes - Membership Price Difference
$- in Sam's Cash
Basic member using the Sam's Club Mastercard
1% in-store; 1% online
$- in Sam's Cash
Sam's Club Plus member using the Sam's Club Mastercard
5% in-store; 3% online
Includes - Membership Price Difference
$- in Sam's Cash

Redeeming Sam's Cash Rewards

Sam's Cash earned with the Sam's Club Plus Membership and with the Sam's Club Mastercard is combined and kept track of in one place. Rewards can be redeemed towards purchases made in-club and online, to pay your membership fees, and for physical cash back in-hand in club.

Since Sam's Cash is worth face value, all of these redemptions will yield the same value.

FAQs

What is Sam's Cash?

Sam's Cash is a rewards currency that you can earn spending with Sam's Club as a Plus member or earn spending with the Sam's Club Mastercard. It can then be redeemed towards Sam's Club purchases or turned into cash.

How do you redeem Sam's Cash?

Sam's Cash can be redeemed in-store at any register, towards membership fees, as a statement credit, and for cash back at a staffed register.

How much is a Sam's Club Plus membership?

A Sam's Club Plus membership will cost you 0 per year which is more than the standard Club membership.

Is Sam's Club Plus membership worth it?

The membership is worth it if you spend more than 0 per month, in-club, at Sam's Club. It's also worth it if you own the Sam's Club Mastercard which earns additional Sam's Cash as a Plus member.

How many cards can you get with a Sam's Club membership?

Sam's Club members can have up to 8 add-ons and Sam's Club Plus members can have up to 16 add-ons. Do note that add-ons beyond the complimentary household cardholder do not earn Sam's Cash.

How much does it cost to add someone to Sam's Club membership?

Sam's Club members and Sam's Club Plus members can obtain add-ons for an additional fee of per add-on. All add-ons are for basic Club membership regardless of the membership of the primary member.

Our Top Partner Credit Card Picks

We've run the calculations and checked them twice — here are the credit cards that consistently provide outstanding value to our users:

  • Best flexible travel card: Capital One Venture Rewards Credit Card
  • Best for high cash back: Blue Cash Preferred® Card from American Express
  • Best for foodies: American Express® Gold Card
  • Best for business travel rewards: Ink Business Preferred® Credit Card
  • Best for heavy business spenders: Capital One Spark Cash Plus
Bilt Mastercard

Earn points paying rent with no transaction fee using the Bilt Mastercard®.

Redeem points towards future rent payments or transfer them to airline and hotel loyalty programs.

Earn status with Bilt Rewards and get treated like a VIP in your neighborhood with bonus points and access to exclusive benefits at local restaurants, fitness studios, and more.

Learn more

Sam's Cash Calculators & Guides

  • sams club membership worth it

    Sam's Club Membership Value: Is It Worth It?

    Get the rundown on earning Sam's Cash in the Sam's Club Rewards program, calculate how much you can earn, and find out if membership is worth it.
  • Sam's Club Mastercard Calculator

    Calculator: Sam’s Club® Mastercard®

    Review the benefits and calculate total Sam's Cash and card value based on your spend.
  • cash back portals

    How To Earn Bonus Cash Back Using Online Shopping Portal

    Get the scoop on how to use shopping portals to double and triple-dip on rewards... for free!
Sam's Cash Rewards Calculators Store Rewards Calculators
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