Synchrony Sam's Club Mastercard review
A strong pick if you spend a lot on gas, where it's among the top three of the 106 cards we track.
- Updated October 17, 2026
- $0 annual fee
- Earns Cash back
- 106 cards compared
Who it suits
Synchrony Sam's Club Mastercard
- #2 of 106 for gas: $5.00 back on $100 (5%). The bonus rate covers up to $6,000 of spend a year.
- It costs $60 a year, and USAA Cashback Rewards Plus American Express, with no annual fee, earns as much or more on gas right now.
- Requires a paid Sam's Club membership ($60 a year).
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on gasWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $3.00 3% | #20 of 106 |
| Groceries | $1.00 1% | #94 of 106 |
| Gas | $5.00 5% | #2 of 106 |
| Travel | $1.00 1% | #84 of 106 |
| Airfare | $1.00 1% | #84 of 106 |
| Hotels | $1.00 1% | #84 of 106 |
| Transit | $1.00 1% | #88 of 106 |
| Streaming | $1.00 1% | #87 of 106 |
| Drugstores | $1.00 1% | #80 of 106 |
| Online shopping | $1.00 1% | #80 of 106 |
| Wholesale clubs | $1.00 1% | #79 of 106 |
| Everything else | $1.00 1% | #78 of 106 |