Sam’s Club® Mastercard®: Calculator & Cashback Breakdown
Fees
Earning Rates
- Earn 5% cash back on gas anywhere (up to $6,000).
- Earn up to 5% cash back as a Plus member.
- Earn 3% cash back on dining and takeout.
- Earn 1% cash back on all other eligible purchases.
Our Take
Sam's Club Mastercard Sam's Cash calculator
Use this calculator to estimate how much cash back you’ll earn with the Sam’s Club® Mastercard®. This card is a great fit for warehouse shoppers who want strong category rewards outside the club too.
NOTE: This calculator only calculates how much you will earn with the actual Sam's Club Mastercard. It does not include the additional 2% back in Sam's Cash you'll earn being a Plus member.
Card Details All links open in new tab (so you will not lose your calculations).
Edit Card Details
Edit Card Name
Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.
Quick Assign
Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.
Currency Codes
Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.
Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.
Currency Name
Add Status / Loyalty
You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.
If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.
NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.
Clear / Remove...
If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.
Card Select
Select the card you will use for this category.
Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.
Credit Cards
Card Details
Sam's Club Mastercard earning rate
The Sam's Club Mastercard earns Sam's Cash at the following rates:
- 5% cash back on gas anywhere (up to $6,000).
- 5% cash back as a Plus member. That's 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when using the Sam’s Club Mastercard and another 2% back from Plus membership. Club members will earn 1% back.
- 3% cash back on dining and takeout.
- 1% cash back on all other eligible purchases.
Sam's Club Mastercard rewards value
Sam's Cash is worth face value. $1 in Sam's Cash is equal to 1 US Dollar.
Sam's Club Mastercard fees
Annual Fee
The Sam's Club Mastercard does not have an annual fee, but it does require Sam's Club membership.
Authorized User Fee
There is no fee to add authorized users to the Sam's Club Mastercard.
Sam's Cash Calculators & Guides
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Sam's Club Membership Value: Is It Worth It?
Get the rundown on earning Sam's Cash in the Sam's Club Rewards program, calculate how much you can earn, and find out if membership is worth it. -
Calculator: Sam’s Club® Mastercard®
Review the benefits and calculate total Sam's Cash and card value based on your spend. -
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