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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.
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Per Month Per Year
Method Total Sam's Cash Earned
Basic member with no Mastercard
Nothing. Nada. Zip.
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Top 10 Easy Ways to Unclog a Drain

Katy Ward
Last Updated: Dec 11, 2022
Unclogging a drain
With cotton wool, loose hair, toilet paper, and other unwanted substances often finding their way into our plumbing systems, most of us have encountered a blocked drain at some point in our lives.

But, although a blocked drain can be one of the most unpleasant (and potentially embarrassing) home maintenance issues, it is also one of the easiest plumbing problems to resolve if you know what you’re doing.

Here, we’ve put together 10 of the quickest and simplest ways to tackle this kind of plumbing emergency.

1. A wire coat hanger

As low-tech as this solution sounds, it is one of the most effective ways of unblocking a clogged drain, especially if the problem is in your toilet, shower, or kitchen sink.

Find an old wire coat hanger and then straighten it out as much as you can before creating a small hook at one end of the wire. Next, push it past the drain cover and start probing or fishing around for whatever is clogging your drain. 

Make sure you don’t push downwards too forcefully or you risk lodging any gunge even further down into your plumbing system and making the problem worse.

2.  A sink or toilet plunger

Like most of the measures on our list, the plunger is a remarkably simple piece of equipment and works on the basis of pressure and suction.

Before you get started, you’ll need to decide which type of plunger best suits your needs. A standard plunger has a rubber cap on the end of a straight wooden handle and tends to work best on flat surfaces, which means these devices are most effective at tackling sink blockages.

If your problem is in your toilet, you should opt for a flange plunger, which has a soft rubber flap that folds out from inside the cup and can fit into the opening of the toilet drain.

Plungers work by forcing fresh water into the drain and dislodging the blockage. If you have a love of science, you may be interested to learn that this principle is known as Boyle’s Law in physics.

3. Boiling water

Although it may not be particularly sophisticated, this is one of the easiest methods for removing any unwanted substances lurking in your drains. Once you've boiled as much water as you can in the kettle or microwave, pour it down the sink in several stages. To allow the water to take effect, you should leave a few seconds between each pour.

While it should work against almost any blockage, boiling water tends to be most effective against clogs that are made up of grease or soap scum. Of course, it goes without saying that you should be as careful as possible when dealing with hot water in order to avoid a nasty accident.

4. Vinegar and baking soda

Before you pay out for expensive drain unblockers, you might want to check if you have any vinegar or baking soda lying around your kitchen. In many cases, these household staples can be just as effective at unblocking drains as costly products you can buy from the hardware store.

Before you get started, you’ll need to pour boiling water down your sink and wait for it to drain away. Next, mix a solution of white vinegar and baking soda into a cup. As we all remember from school science lessons, this mixture will start to fizz almost immediately, so you’ll need to pour it down the sink as soon as this reaction starts.

Finally, leave the drain for several hours (or even overnight) to give the solution time to tackle all the gunge and grime that has built up. Once you return, rinse the drain again with boiling water and your problem should be solved.

5. Cola

If any blockages are still refusing to budge, emptying the contents of a can or bottle of cola down your drain could do the trick.

As cola tends to be very caustic, it can tackle stubborn gunge that may be more resistant to boiling water. It also works especially well against build-ups of grime. Once you’ve poured the cola down your drain, leave it to work for a couple of hours and then turn on your hot water.

Any brand of cola will do, so there’s no need to waste your money on the more expensive stuff.

6. Dish detergent

If your problem is located in your shower or toilet drains, you could find that dish detergent is an ideal solution to break down substances such as hair, excess toilet paper, and cotton wool balls.

Pour a liter of boiling water into your drain to loosen up any material causing the obstruction and then add a cup of detergent. Wait for several minutes and once the detergent has taken effect, you can use a plunger to remove any residue that has been left behind.

Remember, you should always avoid flushing any substances other than toilet paper down the toilet as doing so is one of the most common causes of blocked drains.

7. Caustic soda

Also known as sodium hydroxide, caustic soda can be a powerful tool for unblocking clogged drains if used correctly.

But, although it is available from most hardware stores, it is also a potentially harmful substance that can cause serious chemical burns if it comes into contact with your skin. Before you attempt this method of unclogging your drains, it’s therefore essential that you make sure you’re wearing rubber gloves and eye goggles or other suitable protection.

Begin by taking a bucket and adding 750ml of caustic soda into 3 liters of cold water and then stirring this solution with a wooden spoon. After the mix begins to fizz, pour it immediately into your drain and leave it for approximately 30 minutes.

As an additional safety precaution, you should ensure that you’re working in a well-ventilated area if you’re attempting to unblock a drain with caustic soda.

8. Drain snakes

A drain snake, also known as an augur, is a piece of metal rope with a spiral on the end, which resembles a corkscrew. These devices can be used to unclog blockages in kitchen or bathroom sinks, tubs, showers, and toilets.

Depending on the product you choose, it may be possible to insert the snake up to 25 feet into your drains. Once the snake is inside, turn the metal rope in order to rotate the spiral, which should then snag any substances that are blocking your drains.

Because of their length, drain snakes tend to work best against blockages that are deeply embedded in your plumbing system.

Be aware, however, that it is possible to damage, or even puncture, your pipes by using a drain snake incorrectly, which means they may not be suitable for those with little or no plumbing experience.

9. Wet-and-dry vacuum

Cleaning both liquids and dust, wet-and-dry vacuums work on the same principle as a plunger, but with far greater power if you need to tackle particularly difficult blockages. 

To clear the blockage, you’ll normally need to turn the device to its highest liquid setting and place it over your plug hole. When you’re using the vacuum, it could also be a good idea to put a few towels down in case of any water leakage from your drain or blowback from the cleaner.

If you don’t own one of these devices yourself, you may be able to rent one from your local hardware store.

10. Call a plumber

If you’ve tried one (or more) of these tips, your problem should ideally be sorted, which will allow you to focus on more pleasant tasks. Otherwise, it may be time to call in an expert. 

Before contacting a plumber, you should check your home warranty plan to see whether you’re covered for this type of issue. While some of the most comprehensive policies will cover plumbing stoppages, others may not.

Although finding the right home warranty will depend on your circumstances and the level of cover you need, Liberty Home Guard and Select Home Warranty are two of the most respected providers on the market and can provide coverage for plumbing issues.

As a general rule of thumb, warranty companies are likely to cover plumbing issues caused by wear and tear, but not those resulting from misuse or negligence.

Conclusion

When you encounter a blockage in your drains, don't panic as there are a number of relatively simple home remedies that may solve the problem. One point to bear in mind: if any of these DIY techniques involve handling dangerous chemicals or boiling water, it’s vital you take all the necessary security precautions to avoid a nasty accident. And if you don’t feel confident doing so, you should call in an expert.

Katy Ward
Last Updated: Jan 04, 2023
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance.
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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.

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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 for heavy business spenders: Capital One Spark Cash Plus
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