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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.
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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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News

90 Day Fiance: Did Jasmine divorce Gino and move back to Panama? Here’s what we know

Mon Apr 08, 2024 at 3:40pm ET
By Mona Wexler
jasmine and gino IG selfie april 2024 Jasmine and Gino snap a selfie during happy times. Pic credit: @jasmine.gino/Instagram

During Sunday’s episode of 90 Day Fiance: Happily Ever After?, Jasmine Pineda threatened to leave her husband, Gino Palazzolo.

The Panamanian native reassessed her marriage to Gino while perusing their wedding photos, and it seemed as though she was dead set on returning to Central America.

Jasmine told TLC’s producers that although she was happy on her and Gino’s wedding day, she since had a change of heart and wanted to return to Panama to be with her family — particularly her two sons, whom Gino omitted from her initial K-1 visa filing.

Jasmine decided that Gino’s unwillingness to hire an immigration attorney to help speed up the process to get her sons to America was the straw that broke the camel’s back.

“I feel mad at myself for, for dreaming — for thinking that, you know, that I was going to have like a happy life,” Jasmine confessed through tears.

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“That’s not gonna happen. I’m such a failure,” she continued. “I want to go back to Panama, divorce — everything that I promise for my children just to tell them that it’s not gonna happen.”

The episode left us wondering whether Jasmine was ending her marriage to Gino after years of threatening the same thing without following through.

So, did Jasmine decide to stick to her guns and leave Gino for good this time? Here’s what we know.

Jasmine Pineda doesn’t mention Gino Palazzolo on social media

Judging by Jasmine’s Instagram activity, it would appear that she’s still in the United States. Whether that means she’s still with Gino, though, remains to be seen.

Jasmine has geotagged her most recent posts in the U.S., although several of the photos look as though they were taken somewhere warm and sunny — certainly not snapped in Michigan this time of year.

Gino has been absent from Jasmine’s Instagram feed in recent months. In fact, the last time she included her husband in a post was in September 2023.

Gino, however, has recently featured Jasmine in his Instagram posts, and their joint page, @jasmine.gino, features photos of the two of them looking happy together.

If Jasmine does indeed return to Panama after all, it would certainly complicate her immigration status and she could possibly face some consequences.

Although we’re itching for an answer, we shouldn’t count on getting one any time soon.

Gino and Jasmine tell 90 Day Fiance fans they are prohibited from revealing their marital status

As Gino mentioned in a recent Instagram comment, cast members are prohibited from revealing their relationship status while their storylines are currently airing on TV.

When asked by a fan whether he and Jasmine are still together, Gino wrote, “unfortunately can’t talk about relationship status during airing of the show.”

gino palazzolo comments on his instagram post Gino told a 90 Day Fiance fan that he can’t talk about his relationship status while his storyline is airing. Pic credit: @gpalazz2/Instagram

Earlier this year, Jasmine echoed the sentiment when she told her fans in an Instagram Story slide that she couldn’t comment on whether she and Gino were still together.

She added, “But I’m a highly confident woman. Whatever works, works, and if not- I have tons of options cause I’m the prize. Period.”

Season 8 of 90 Day Fiance: Happily Ever After? airs on Sundays at 8/7c on TLC.

Categories Reality TV Tags 90 Day Fiance, 90 Day Fiance: Before The 90 Days, 90 Day Fiance: Happily Ever After?, Gino Palazzolo, Jasmine Pineda
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Julie
Julie
1 year ago

Jasmine is delusional! The way she treats Gino’s is sickening! The fact that his family is on her side now makes me laugh! Jasmine is very toxic, and she acts like she is entitled! I wish she would leave Gino! He deserves someone who loves him, and would never treat him the way she does.

12
Reply
Debi
Debi
1 year ago

She has NEVER followed through on her threats….so we’ll have to wait and see.

5
Reply
Lee
Lee
1 year ago
Reply to  Debi

Gino would be better off without her whiny as.

8
Reply
joseph rodriguez
joseph rodriguez
1 year ago

GINO SHOULD SEND HER BACK AND GET RID OF HER, SHE IS ON LY HANGING ON TO GINO , HOPING HE GIVES HER WHATEVER SHE WANTS, SHE IS AND ALWAYS HAS BEEN A GOLD DIGGER, AND SUCH A LIAR, SHE COULD NOT TELL THE TRUTH IF YOU HELD A GUN TO HER HEAD… SHE IS A SELFISH PERSON AND ONLY THINKS OF WHAT SHE WANTS, SHE COULD CARE LESS ABOUT HER KIDS AND FAMILY, IF SHE DID , SHE WOULD NOT HAVE SPENT THOSE ,000 ON HER AS IMPLANTS… SWHE IS A VERY SELFISH AND SELF CENTERED PERSON, GINO SHOULD GET RID OF HER A S A P, IF NOT HE IS GOING TO BE A VERY SORRY GUY… WAKE UP GINO, SHE DOES NOT AND NEVER HAS LOVED YOU, JUST YOUR MONEY…..

6
Reply
Pamela
Pamela
11 months ago
Reply to  joseph rodriguez

If she really cared about her kids coming to America. She would have used that ,000 on but Implants and hired a lawyer to get them here. She’s a fake as can be and is only using Gino to gain entrance to the United States.

2
Reply
Kim
Kim
1 year ago

You got to be kidding me do you know is so much better off without her how she is done is used in for his money and to get to the United States let her go back I really don’t care I would rather see Gino get with somebody who respects them she does not respect anybody but herself I mean think about it maybe they would have the money for the lawyer if she hadn’t spent it on her butt. All I have to say is run Gino run

8
Reply
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Insert
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.

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