Sam's Club Card Cash Back: A Comprehensive Review

Sam's Club Card Cash Back is a great way to save money on everyday purchases. Members can earn 2% cash back on gas purchases at Sam's Club fuel centers.

The cash back rewards are automatically applied to the member's account. No need to worry about clipping coupons or remembering to ask for discounts at checkout.

To qualify for the cash back rewards, members must use their Sam's Club credit card for purchases. This includes buying gas, groceries, and other items at Sam's Club warehouses.

Sam's Club Card Cash Back rewards can be redeemed for statement credits or deposited into a Sam's Club credit card account.

The Sam's Club card cash back offers have some great benefits, but also some drawbacks to consider. Here are the pros and cons:

The pros include:

However, there are some cons to keep in mind:

You can see your available Sam's Cash on SamsClub.com, in the Sam's Club mobile app under "Your account", or when you choose Sam's Cash as a payment method during checkout.

To see your earnings add up, you need to check your Sam's Cash account each month. The Sam's Cash gets added to your account on your "join date" each month, so if you joined Sam's Club on May 30, your Sam's Cash earnings will show up by the 30th of every month.

You can earn a maximum of $5,000 of Sam's Cash per year with your card, so keep an eye on your earnings to make the most of your rewards.

Here's a breakdown of how often you can earn Sam's Cash:

Sam's Cash is automatically issued within one to two billing cycles of being earned and loaded onto your Sam's Club membership account.

You can use this cash back at Sam's Club for in-club, online and app purchases. You can also use Sam's Cash toward renewing or upgrading your membership, or you can cash it out by requesting cash back at a staffed register or Member Services.

However, you won't get any cash back — or your available cash-back balance will be forfeited — in the following cases: your card account isn't in good standing, your Sam's Club membership is terminated, canceled or revoked by Sam's Club, or your card account is canceled or closed (either by you or Synchrony Bank).

Sam's Cash does not expire as long as you remain an active Sam's Club member.

If you plan to maintain a Sam's Club membership for years to come and periodically shop at Sam's Club, this redemption scheme is ideal for its ease of use.

The Sam's Club card has some unique features and fees to consider. There's no annual fee on the card, but you'll need a Sam's Club membership to use it, which costs $50 for regular members and $110 for Plus members.

You can potentially get your membership fee covered for the first year with a sign-up bonus that offers a statement credit. This is a practical way to dodge fees for the first year, but be sure to pay attention to the details of any sign-up bonus offer.

The Sam's Club Mastercard has some notable drawbacks to consider. The sign-up bonus is quite low, offering only $30 cash back on a $30 minimum purchase. This is a relatively easy bonus to earn, but it's dwarfed by what other credit cards offer.

To apply for the Sam's Club Mastercard, you'll need to be a current paid Sam's Club member. The membership itself comes with a fee, either $50 per year for the Club level or $110 per year for the Plus level. This means you'll essentially be paying for the privilege of having the credit card.

The rewards rate for regular club members is underwhelming, offering just 1% cash back on Sam's Club purchases. This is a far cry from what other credit cards offer, like the Bank of America Customized Cash Rewards Secured Credit Card, which gives 2% cash back at warehouse clubs like Sam's.

To redeem your cash back, be aware that there are still some restrictions in place. Until recently, rewards were only issued once a year, but now they're available within one to two months after earning them.

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One of the standout features is the ability to track your spending and stay on top of your finances.

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This allows you to see a comprehensive view of your financial situation in one place.

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The Sam's Club Mastercard doesn't come with an annual fee, which is a big plus. There are no foreign transaction fees either.

You'll still need to pay for your annual Sam's Club membership to be eligible, which costs at least $50 per year. This is a separate fee from the credit card itself.

While there's technically no annual fee on the card, you'll need a Sam's Club membership to use it, and that membership costs $50 for basic members and $110 for Plus members.

The Sam's Club Mastercard offers a variety of rewards and offers that can help you earn cash back and save money. You can earn a $60 statement credit after making $30 in Sam's Club purchases within the first 30 days of account opening.

To earn rewards, you'll need to activate Bonus Offers before making a purchase. This can be done within your Sam's Club account, and you'll see an option to "Activate" the offer along with details about whether it applies to online or in-store purchases.

The Sam's Club Mastercard earns cash back in the form of Sam's Cash, with a maximum of $5,000 per year. You can earn 5% cash back on gas stations (on the first $6,000 per year, then 1%), 3% back on dining and takeout, and 1% back on other purchases.

As a Plus member, you'll earn 3% cash back on eligible in-store and online purchases, but standard Sam's Club members only earn 1% cash back. This is a key difference between the two membership levels.

Here are some ways to mix and match offers to cover the cost of your Sam's Club membership:

To get the most out of your rewards, it's essential to understand the terms and conditions of the Sam's Club Mastercard and your membership level. By activating offers, earning cash back, and mixing and matching offers, you can maximize your rewards and save money on your Sam's Club membership.

To get started with Sam's Club card cash back, you'll need to link a credit or debit card to your account. Currently, you can link a Mastercard, Visa, or American Express card.

First, visit SamsClub.com and sign in. Then, open the Sam's Cash drop-down menu and select "Earn with Bonus Offers." Next, go to Account, Your cards, and select the card that you want to associate with the Bonus Offers program.

If you're new to Sam's Club, tap "Manage Your Cards" to add a new card. Once you save your selection and return to the Bonus Offers page, you'll select the card, agree to the program's terms, and tap the "Link cards" button.

You can see your available Sam's Cash on SamsClub.com, in the Sam's Club mobile app (iOS / Android) under "Your account", or when you choose Sam's Cash as a payment method during checkout.

To determine if you should apply for the Sam's Club Mastercard, consider your shopping habits. If you're a frequent Sam's Club shopper, the card might be a good fit.

The card makes the most sense for people who are already Sam’s Club Plus members and spend a lot of money there. If you already have a Sam's Club membership, you likely know if it's worth the cost for your specific spending situation.

If you're an occasional shopper, using a card with a high earning rate on all purchases might be a better option. This way, you can earn rewards on all your purchases, not just those made at Sam's Club.

To link a payment card to your Sam's Club account, you'll need to visit SamsClub.com and sign in. This is the first step to earning with Sam's Cash Bonus Offers.

Currently, you can link a Mastercard, Visa, or American Express card to your account. This means you have a few options to choose from.

To link a card, follow these steps: visit SamsClub.com, sign in, open the Sam's Cash drop-down menu and select "Earn with Bonus Offers." From there, you'll be able to manage your cards and select the one you want to associate with the Bonus Offers program.

If you're new to Sam's Club, you'll need to tap "Manage Your Cards" to add a new card. This is a simple process that will allow you to start earning rewards right away.

The Sam's Club Mastercard offers a unique rewards structure, but it's essential to consider whether it's the best fit for your spending habits. The card earns 5% cash back on gas (on the first $6,000 per year, then 1%), 3% back on dining, and 1% back on other purchases.

If you're a frequent Sam's Club shopper, the card's rewards might be more valuable than other options. However, if you don't shop at Sam's Club often, you might earn more with a card providing higher earnings on everyday expenses.

One thing to keep in mind is that the card has an added cost if you pair it with a Plus membership at Sam's Club, which might not be worth it if you don't shop there frequently.

Here's a comparison of the Sam's Club Mastercard with similar cards: