The 5% back on gas and EV charging is the reason to carry this one, and it applies worldwide rather than only at Sam's Club stations, which makes it a capable fuel card for no annual fee. Dining and takeout earn 3%, and Sam's Club purchases earn 3% if you hold a Plus membership, though Club-tier members get just 1% there. Watch the ceilings: the 5% gas rate stops after $6,000 of spend per year and falls to 1%, and total card earnings are capped at $5,000 in Sam's Cash per calendar year. The welcome offer is token, a $30 statement credit after $30 in Sam's Club purchases within the first 30 days, and the amount rotates periodically. The card doubles as your membership card at the door and register, a small convenience, but if you are not filling up often the 1% base rate leaves this a narrow, club-specific pick.
Earn rates & credits
| Category | Rate |
|---|---|
Gas Gas and EV charging worldwide, including Sam's Club stations (first $6,000/year, then 1%) on first $6,000/yr, then 1% | 5% |
Dining Dining and takeout | 3% |
Wholesale Clubs Sam's Club purchases for Plus members (1% for Club-tier members); Plus membership separately adds 2% Sam's Cash on qualifying in-club purchases | 3% |
Everything Else Total card earnings capped at $5,000 Sam's Cash per calendar year | 1% |
Card details
Regular APR | 20.15%–28.15% variable |
Foreign transaction fee | None |