Sam’s Club offers the Sam’s Club Mastercard for members, with rewards rates like 5% back on gas and 3% back on dining. Rewards vary based on membership tier, with Plus members earning higher rates. There is a $5,000 annual rewards cap and limited redemption options, but rewards won’t expire as long as membership is active.

You can redeem rewards online, in the app, or in-store, but some exclusions apply like gift cards and fuel. Rewards can be used to pay for Sam’s Club membership or cashed out. The card doubles as a membership card, and you can prequalify with no impact on your credit.

The Sam’s Club Mastercard can be used anywhere that accepts Mastercard. It offers generous cash-back rewards on gas and Sam’s Club purchases, but membership is required. If you spend big on gas and Sam’s Club, this card could be a winning combination with a 2% cash-back card for other purchases.

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