Rewards · Mastercard · No annual fee
Last verified 2026-09-09. Review issuer source
Synchrony Bank Sam’s Club Mastercard is a no-annual-fee points card from Synchrony Bank. Its best everyday rates are 5x on gas stations, and 3x on dining; everything else earns 1x. There is also 3x on Sam's Club, a single-merchant rate. Gas stations is capped at $6,000, then drops to the base rate. Rewards are Sam’s points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $138, an effective 0.6% back.
Get it if you already fly or stay with Sam’s often enough to use the perks. A general travel card earns points that go more places.
Earn 3% back in Sam’s Cash on dining and takeout
Cap: $6,000
Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1% cash back
No welcome bonus is stored for this catalog entry yet.
Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.
These come from Mastercard, not from Synchrony Bank. Every card on the Standard Mastercard tier carries them, so they should not decide between two cards.
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Enjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Save when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Sam’s Club Mastercard®This card · 5x on gas stations | None | $138 | +$138 | 913th of 1,291 |
| Verizon VisaSynchrony Bank's most-held other card · 4% on dining | None | $606 | +$606 | 10th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
