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The Sams Club® Mastercard® can be a worthy option for certain Sams Club shoppers who guzzle gas or use EV charging stations, but its certainly not the most straightforward card out there.To get the card at all, you must be a Sams Club member, and that does come with a yearly fee of either:$45 for a baseline Club membership. At this tier, the Sams Club® Mastercard® earns only 1% back on eligible Sams Club shopping.$100 for a Plus membership. At this tier, the card lets you earn up to 5% back on eligible Sams Club shopping.So the question is whether its worth paying a higher membership fee for better rewards. (Heres the math on that.) It may also be a question of how many reward rules and caps you want to deal with, because there are several.» MORE: NerdWallets best gas credit cardsSams Club® Mastercard®: Basics 5% cash back (on up to $6,000 spent per year, then 1%) at EV charging stations and eligible gas stations worldwide, including stations at Sams Club.1% back on all other purchases.For Sams Club Plus members only: Up to 5% back on eligible Sams Club purchases (3% back with the card, plus up to 2% back from the membership tier.)You can redeem rewards for cash, apply them to your statement balance or use them toward Sams Club purchases. Total rewards on the card are capped at $5,000 per calendar year.Sign-up bonus: Get a $30 statement credit when you open a new account and make $30 in Sams Club purchases within 30 days.APR: The ongoing APR is 17.90%-25.90%, Variable.Foreign transaction fees: None.Club vs. Plus: Which Sams membership tier makes sense for you?Theres a $55 difference between the Club tier ($45 a year) and the Plus tier ($100 a year). To find out whether its worth paying that difference — and thus reaping the higher rewards rate with the Sams Club® Mastercard® — consider the math:The card can give you 4% more in cash back at the Plus level, and $55 divided by 4 cents (or 0.04) is $1,375. If you spend more than that at Sams Club in a year, it may be worth paying more for a Plus tier.But that figure is not the break-even point on the annual cost of a Sams Club membership itself:To break even on a $100 Plus membership, youd need to spend at least $2,000 on eligible Sams Club purchases in a year.To break even on a $45 Club membership, youd need to spend at least $4,500 on eligible Sams Club purchases in a year.Neither of those figures, though, takes into account your spending in the cards other bonus categories (gas, EV charging and dining). So its worth evaluating where you spend the most before deciding on a membership tier.Why you might want the Sams Club® Mastercard® Elevated rewards for Sams Club Plus membersIf youre a Sams Club Plus member, the Synchrony Bank-issued Sams Club® Mastercard® is made for you. Youll earn a stellar rate of up to 5% cash back on eligible purchases with the retailer. Thats a lot of rewards potential for groceries and other household items, and its in line with what some of the best store credit cards on the market offer for shopping within their walls.One of the highest rewards rates on gas and EV charging stationsWith a 5% cash-back rate on up to $6,000 in gas and EV charging expenses per year, you could earn $300 annually in that category alone, plus 1% on those purchases beyond that cap. And those earnings would be in addition to Sams Club member-exclusive prices offered on fuel at select locations. Thats a sizable chunk of savings, especially for rideshare drivers, weekend warriors and others who hit the road often.Appetizing rewards at restaurantsYoull earn a high 3% cash-back rate on dining, which includes things like restaurants, drinking places and caterers. In 2019, the average American household spent $3,526 per year on food outside of the home, according to the U.S. Bureau of Labor Statistics Consumer Expenditure Survey. If you spent that much at restaurants with the Sams Club® Mastercard®, you could earn more than $105 annually.» MORE: Sams Club Mastercard vs. Costco Visa: How they stack upWhy you might want a different credit cardMediocre rewards for baseline Sams Club membersSams Club gas stations aside, any shopping you do at Sams (either inside the store or online) will net you only 1% cash back with a baseline Club membership. The Bank of America® Customized Cash Rewards credit card can double that rate while also still delivering a relatively high rate back on fuel purchases. It earns 3% cash back on gas or on your choice of one of five other categories, plus 2% back at grocery stores and wholesale clubs (on up to $2,500 in combined choice categorygrocery storewholesale club quarterly purchases). All other purchases earn 1% back.» MORE: Review of the Costco credit cardToo many reward caps and rulesThe cards 5% cash-back rate on gas and EV charging is capped at $6,000 in spending annually, and your total rewards-earning ability for all purchases is capped at $5,000 a year. And for Plus members, theres even more to keep in mind:At the Plus tier, the card itself earns 3% back on qualifying Sams Club purchases in-store or online — but the additional 2% back via your membership is only on qualifying in-store purchases, not at samsclub.com.The 3% rate from the card is unlimited, but the 2% rate from the membership is capped at a total of $500 in rewards per year.The 2% back from your membership tier is also subject to a $2,000 overall maximum balance at any given time. Once you hit that threshold, you stop accruing rewards until you reduce that balance by redeeming rewards.Thats a lot of rules and limitations to keep track of. If you prefer no-fuss rewards, the Wells Fargo Active Cash® Card presents 2% cash back on all purchases. That makes it a good card to use at Sams Club or anywhere else.» MORE: Credit Cards with potentially confusing rewards programsIs the Sams Club® Mastercard® right for you?If you have only a baseline Club membership but still want to maximize your Sams Club shopping, the Sams Club® Mastercard® card doesnt do much for you there. It might still be worth a look if you spend big on gas, EV charrging or restaurants, but youll likely do just as well or better with other cash-back credit cards.But if youre a Plus member, and if spending at Sams Club makes up a big chunk of your budget, this card could be a valuable match.» MORE: Review of the BJs credit card
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