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  Capital One Spark Cash Plus

  Best for heavy business spend

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  American Express Blue Business Cash™ Card

  Best small business cash back card

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  The Business Platinum Card® from American Express

  Best for global lounge access & luxury travel

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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.

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.

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:

• 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 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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David Bukach/Disney 2023-12-27T18:41:44Z Share Facebook Email X LinkedIn Copy link Save Saved Read in app This story is available exclusively to Business Insider subscribers. Become an Insider and start reading now. Have an account? Log in. "Percy Jackson and the Olympians," the wildly popular book series from Rick Riordan, is now a Disney+ show. Walker Scobell stars in the titular role of the series, which premiered on December 19. Meet the full cast of the show and learn who they're each playing.  Over a decade after the first attempt at adapting Rick Riordan's "Percy Jackson and the Olympians," Disney+ has taken a stab at the incredibly popular, Greek mythology-infused children's series. The first season of the show, which premiered December 19, adapts "The Lightning Thief," the first "Percy Jackson" novel. It follows Percy Jackson (Walker Scobell), a young demigod who learns that he's the son of Poseidon, god of the sea, and is sent on a quest to retrieve his uncle Zeus' master bolt. On the way, he's accompanied by Annabeth Chase (Leah Sava Jeffries), who's a daughter of Athena, and Grover Underwood (Aryan Simhadri), who's a satyr.  The well-received show serves as a redemption arc for the "Percy Jackson" series, given that 20th Century Fox's 2010s films based on the books were a disappointment both for many fans and Riordan himself. Unlike the films, which featured aged-up versions of the characters, this series stars children — even though it made filming more difficult. "Everybody whose life was going to be more complicated because we were doing it this way understood, and committed to, and embraced at the beginning that this is just what the show is," co-showrunner Jon Steinberg told Business Insider at New York Comic Con in October. Meet the cast of Disney+'s "Percy Jackson and the Olympians," which includes young actors alongside industry giants like the late Lance Reddick and Lin-Manuel Miranda. Walker Scobell plays Percy Jackson, the titular hero of the series and son of Poseidon. Walker Scobell plays Percy Jackson. Disney/David Bukach; Arturo Holmes/WireImage Fans first met the new Percy Jackson in April 2022, when Riordan announced on his website that Walker Scobell had been cast in the role. Scobell recently starred alongside Ryan Reynolds in the Shawn Levy-directed Netflix movie "The Adam Project." Leah Sava Jeffries plays Annabeth Chase, Percy's shrewd best friend and daughter of Athena. Leah Sava Jeffries plays Annabeth Chase. Disney/David Bukach; The Walt Disney Company via Getty Images Jeffries recently starred alongside Idris Elba and Iyana Halley in the 2022 film "Beast." Aryan Simhadri plays Grover Underwood, Percy's satyr best friend. Aryan Simhadri plays Grover Underwood. Disney/David Bukach; The Walt Disney Company via Getty Images Simhadri recently starred in the animated series "Adventures in Wonder Park," as well as the 2022 remake of "Cheaper by the Dozen." Jason Mantzoukas plays Dionysus, the god of wine stuck manning Camp Half-Blood. Jason Mantzoukas plays Dionysus. Disney/David Bukach; Rodin Eckenroth/Getty Images Mantzoukas is a comedic actor known for memorable guest roles on sitcoms like "The Good Place" and "Brooklyn Nine-Nine," as well as voice acting on series like "Big Mouth." Glynn Turman plays Chiron, the centaur who directs Camp Half-Blood. Glynn Turman plays Chiron. Disney/David Bukach; Unique Nicole/FilmMagic Turman is known for his roles in the 1960s sitcom "Peyton Place" and HBO drama "The Wire," and recently appeared in the film "80 for Brady."  Virginia Kull will play Sally Jackson, Percy's mother. Virginia Kull plays Sally Jackson. Disney/David Bukach; Ruby Wallau/Getty Images Kull is known for roles in "Big Little Lies" and "Super Pumped." Timm Sharp plays Gabe Ugliano, Sally's lackluster boyfriend. Timm Sharp plays Gabe Ugliano. Disney/David Bukach; Amanda Edwards/WireImages Sharp is known for roles in "On the Verge" and "Enlightened." Megan Mullally will play Alecto, the Fury who masquerades as Percy's teacher Mrs. Dodds. Megan Mullally plays Mrs. Dodds, also known as the fury Alecto. Disney/David Bukach; Frazer Harrison/Getty Images Mullally is known for her role on series like "Will & Grace" and "Party Down." The late Lance Reddick plays Zeus, lord of Olympus and god of the sky. The late Lance Reddick plays Zeus. Disney/David Bukach; Jeff Vespa/WireImage/Getty Reddick, who died in March at age 60, is known for his roles in "The Wire" and "John Wick." Toby Stephens plays Poseidon, the god of the sea and Percy's father. Toby Stephens plays Poseidon. Disney/David Bukach; Leigh Vogel/Getty Images for Netflix Stephens is known for his roles in "Die Another Day" and the BBC adaptation of "Jane Eyre." Charlie Bushnell plays Luke Castellan, a longtime camper and son of Hermes. Charlie Bushnell plays Luke Castellan. Disney/David Bukach; Rodin Eckenroth/FilmMagic Bushnell is known for his role in the Disney+ series "Diary of a Future President." Lin-Manuel Miranda plays Hermes, the messenger god. Lin-Manuel Miranda plays Hermes. Disney/David Bukach; NBC/Getty Images Miranda is best known for his work as a playwright and actor in musical productions like "Hamilton" and "In The Heights." Jay Duplass plays Hades, the god of death and riches, and the lord of the Underworld. Jay Duplass plays Hades. Disney/David Bukach; Dia Dipasupil/WireImage Duplass is known for his roles in "Transparent," "Industry," and "The Chair." Timothy Omundson plays Hephaestus, the god of technology, blacksmiths, forges, and fire. Timothy Omundson plays Hephaestus. Disney/David Bukach; Chris Haston/NBC/NBCU Photo Bank via Getty Images Omundson is known for his roles in "Psych" and "Judging Amy." Adam Copeland plays Ares, the god of war. Adam Copeland plays Ares. Disney/David Bukach; Tommaso Boddi/WireImage Copeland, a professional wrestler also known by his ring name Edge, has also appeared in the TV series "Vikings" and "Haven." Suzanne Cryer plays Echidna, the mother of all monsters. Suzanne Cryer plays Echidna. Disney/David Bukach; Kayla Oaddams/FilmMagic Cryer is known for "Silicon Valley" and recently appeared in "Mrs. Davis." Jessica Parker Kennedy plays Medusa, the mythical monster whose gaze turns others into stone. Jessica Parker Kennedy plays Medusa. isney/David Bukach; Monica Schipper/Getty Images Kennedy is known for "The Flash" television series and "Black Sails." Dior Goodjohn plays Clarisse La Rue, a daughter of Ares. Dior Goodjohn plays Clarisse La Rue. Disney/David Bukach; Leon Bennett/Getty Images Goodjohn is known for her roles in series like "Head of the Class" and "Are You Afraid of the Dark?" Olivea Morton plays Nancy Bobofit, one of Percy's classmates at his mortal school. Olivea Morton plays Nancy Bobofit in "Percy Jackson and the Olympians." Disney+; Noam Galai/Getty Images Morton has previously appeared in the TV series "Angel," as well as the shorts "Better Now" and "And Yet They Speak." Recommended video Disney Plus TV Read next Business Insider tells the innovative stories you want to know Business Insider tells the innovative stories you want to know Business Insider tells the innovative stories you want to know Business Insider tells the innovative stories you want to know HOME Subscribe This story is available exclusively to Business Insider subscribers. Become an Insider and start reading now. Have an account? Log in. 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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

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