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Basic member with no Mastercard
Nothing. Nada. Zip.
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This website is an independent, advertising-supported comparison service. We have financial relationships with some of the products and services found on this site and may be compensated if you choose to use any of these links. Some card offers that appear on this site are from companies from which this website receives compensation. This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.
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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.
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On This Page
Sam's Club Rewards Quick Overview
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Sam's Cash Rewards: Sam's Cash is the rewards currency of the Sam's Club Rewards program, earned through eligible purchases.
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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.
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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.
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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.
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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.
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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:
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Sam’s Club Plus Membership: Earn rewards on in-club purchases.
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Sam’s Club Mastercard: Earn cash back on purchases anywhere Mastercard is accepted.
Redeem Sam's Cash for:
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Purchases in-club or online at Sam’s Club.
- Paying Sam’s Club membership fees.
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Cash back in-club.
Earning Sam's Cash with Plus Membership
Sam's Club offers two membership types:
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Sam's Club Membership: Basic membership for in-club shopping, but it does not earn Sam's Cash on purchases.
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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.
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.
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:
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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.
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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.
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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:
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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)
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3% back in Sam's Cash on dining (includes fast food, bars, fine dining, and caterers)
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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:
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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.
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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.
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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.
Sam's Club Online Spend
Enter how much you spend online with Sam's Club.
Method Total Sam's Cash Earned
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Basic member with no Mastercard
Nothing. Nada. Zip.
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ROUTING NUMBER - 083000108 - PNC BANK, KENTUCKY, INC.
What is a Routing Number?
A routing number or routing transit number is a 9 digit number that identifies financial institution in a transaction and the location where your bank account was opened. Most common types of transaction are ACH and wire transfers. You'll often be asked for your checking account routing number when you're making a payment online or by phone.
Some banks and financial institutions usually have multiple routing numbers serving different purposes, geographical regions and branches. Therefore it is important to ensure that you are using correct routing number before you initiate a money transfer.
A routing number can also be referred to as a RTN, a routing transit number or an ABA routing number and can be easily be found printed on the bottom of a check or in the online banking portals of the financial institutions.
International Money Transfers
When you send or receive an international wire with your bank, you might lose money on a bad exchange rate, which is like a hidden fee. That’s because the banks still use an old system to exchange money. We recommend you use Wise, which is usually much cheaper. Wise’s smart technology:
- Gives you a great exchange rate and a low, upfront fee every time.
- Moves your money as fast as the banks, and often faster – some currencies go through in minutes.
- Protects you with bank-level security.
- Serves 60+ currencies, 175+ countries, and over 16 million customers.
- Whether you're getting paid by businesses or clients abroad, or simply receiving money from friends or family, with the Wise Multi-currency Account you can get instant international bank details to receive money from over 80 countries around the world.
- 5/5 star rating and more than 200,000 reviews on TrustPilot.
When you'll need the 083000108 routing number?
A routing number is required in a variety of situations, including setting up direct deposit, automatic loan payments or recurring transfers like bill payments.
You’ll also need it when you file taxes to receive your tax refund or debit a tax payment, or when you conduct Automated Clearing House (ACH), transfers between different bank accounts.
Generally, you'll only need your routing number when funds are being directly transferred to or from your bank account — never for debit card or credit card purchases.
Where to find the 083000108 routing number on a paper check?
The 083000108 ABA Check Routing Number is on the bottom left hand side of any check issued by PNC BANK, KENTUCKY, INC..
In some cases, the order of the checking account number and check serial number is reversed.
FedACH Routing Routing Number Bank Office Code Servicing FRB Number Record Type Code Address City State Zipcode Telephone Revised Institution Status Code New Routing Number Money Transfer FedWire Routing Bank Name Telegraphic Name City State Funds Transfer Status Book-Entry Securities Revised Swift Codes
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083000108
The banking institution's routing number
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PNC BANK, KENTUCKY, INC.
Commonly used abbreviated customer name
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O - Main Office
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081000045
Servicing Fed's main office routing number
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1
The code indicating the ABA number to be used to route or send ACH items to the RFI
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0 = Institution is a Federal Reserve Bank
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1 = Send items to customer routing number
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2 = Send items to customer using new routing number field
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MANAGER, ACH OPERATIONS
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PITTSBURGH
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PENNSYLVANIA (PA)
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15219-0000
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877-824-5001
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08 April 2008
Date of last change to CRF information
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1
Code is based on the customers receiver code
1 = Receives Gov/Comm
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Not Applicable
Bank institution's new routing number resulting from a merger or renumber
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Save on international money transfer fees by using Wise, which is up to 8x cheaper than transfers with your bank.
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PNC BANK, NATIONAL ASSOCIATION
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PNC BK, KY INC
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LOUISVILLE
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KENTUCKY (KY)
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Eligible
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Ineligible
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07 November 2014
Date of last revision
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US banks SWIFT Codes
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Ways to find the 083000108 routing number online
Here are several ways available to you to find your ABA routing number:
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On this page We've listed above the details for ABA routing number 083000108 used to facilitate ACH funds transfers and Fedwire funds transfers.
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Online banking portal: You'll be able to get your bank's routing number by logging into online banking.
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Paper check or bank statement: Bank-issued checks or bank statements. See the bottom left side of your check.
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Bank customer service: You'll be able to get your routing number by contacting your bank's customer service staff
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Fedwire / American Banking Association: You can look up your routing number on the official website of the Federal Reserve or the American Banking Association.
For your bank to process the payment quickly and securely, you should always check routing numbers with your bank or your recipient.
What is the Automated Clearing House (ACH) number?
The Automated Clearing House (ACH) is an electronic payment delivery system which allows you to make payments or collect funds electronically through the ACH network. ACH transactions are usually next-day entries when exchanged with other financial institutions. ACH functions include direct deposits and check conversions from paper to electronic.
ACHs are designed for high-volume, low-value payments, and charges fees low enough to encourage the transfer of low-value payments. The system is designed to accept payment batches, so that large numbers of payments can be made at once.
What are the differences between FedACH & FedWire credit transfers?
Below are some of the differences between FedWire credit transfers and ACH credit transfers in the US.
FedWire
- Same day clearing, which means the sender's account is debited and your account is credited on the same day.
- Irrevocable. Once a FedWire is sent, the originator/sender cannot send a reversing transaction. This is a huge advantage of using FedWires because it mitigates risk of reversals.
- Cost. FedWire typically cost more to send and to receive.
- Fedwire (Federal Reserve Wire Network) is a real-time gross settlement funds transfer system operated by the United States Federal Reserve Banks that allows financial institutions to electronically transfer funds between its more than 9,289 participants.
FedACH Credit (aka Direct Deposit)
- Next day clearing. Settlement or clearing typically takes place Next Banking day.
- Inexpensive. Little or no cost to send and receive. (Costs, if any, depend on your banking relationship and the fees your financial institution may charge).
- Allows for Reversals. Sender/originator does have the ability to perform reversals or correcting entries.
- Batch Processing ACH entries are group together into batches and processed by Financial Institutions and the ACH Operators in batch mode.
- FedACH is the Federal Reserve Banks' Automated Clearing House (ACH) service. It provides financial institutions with efficient, low-cost batched payment services that enable an electronic exchange of debit and credit transactions through the Automated Clearing House (ACH) network.
How are SWIFT / BIC codes, IBANs, sort codes, and routing numbers different?
If you're planning to send or receive money through your bank, you will likely come across unfamiliar terms such as routing number (ABA), SWIFT / BIC code, IBAN, and sort code. What exactly are these acronyms, and what are they used for? Well, all of them seemingly do much of the same thing which is to help banks identify where your money needs to go when being transferred, but each is required in specific situations because different countries and banks have different processes and requirements.
SWIFT / BIC codes are 8 or 11-digit codes that uniquely identify banks and financial institutions worldwide. Unlike routing numbers, these codes are used for international payments.
IBANs are international bank account numbers that identify the country, financial institution, and individual bank accounts. They're mainly issued by banks in the Eurozone, but other countries are starting to adopt them as well.
Sort Codes are 6-digit numbers used for domestic transfers in the United Kingdom which identify the bank and the branch where a bank account is held.
Routing numbers are 9-digit codes used in the US to identify banks when processing domestic ACH payments or wire transfers. These are not required when making payments outside the United States.
Transit numbers are 9-digit codes used in Canada for electronic funds transfers. They identify a specific Canadian bank and branch where a payment will be sent.
Note: This website provides a quick and easy way to search & find routing numbers for banks and other financial institutions in the United States. If you're not sure which routing number to use contact your bank directly. You can call your bank using the phone number listed on your debit/credit card or send a message through your online banking system. Using the wrong routing number can lead to delays in processing the transfer.
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Sam's Club Plus member
2% in-store, 0% online
Includes - Membership Price Difference
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$- in Sam's Cash
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Basic member using the Sam's Club Mastercard
1% in-store; 1% online
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$- in Sam's Cash
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Sam's Club Plus member using the Sam's Club Mastercard
5% in-store; 3% online
Includes - Membership Price Difference
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$- in Sam's Cash
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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:
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Best flexible travel card: Capital One Venture Rewards Credit Card
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Best for high cash back: Blue Cash Preferred® Card from American Express
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Best for foodies: American Express® Gold Card
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Best for business travel rewards: Ink Business Preferred® Credit Card
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Best for heavy business spenders: Capital One Spark Cash Plus
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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Sam's Cash Calculators & Guides
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Use Our Calculator To Maximize Your Rewards
Discover personalized credit card options that match your spending habits and maximizes your rewards.
View the highest offers from our partners and input your monthly and yearly spend amounts into our easy-to-use calculator to find the best credit card options for you!
Advertiser Disclosure: This website is an independent, advertising-supported comparison service. We may earn compensation through links to certain products and services. Not all card companies or offers available in the market are included. Listings may be influenced by proprietary factors, such as consumer preferences or likelihood of credit approval.
About These Calculators: These calculators are designed to provide estimates, such as reward values, transfers between loyalty programs, and credit card earnings. They are for illustrative purposes only and may not reflect the exact rewards you will receive. Please review the terms and conditions of credit cards and rewards programs before applying or signing up, as benefits and perks may change and may not be immediately updated on this website.
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