The pitch is straightforward: 5% back on purchases made directly from Samsung in the U.S., in store or online, with no annual fee and a $200 bonus after $2,000 of spend in the first 90 days. The 3% rate is more conditional than it looks, because it applies only to purchases paid through Samsung Wallet; swipe the physical card or pay any other way and you are back to the 1% base rate. Streaming services like Netflix, Disney+ and Spotify earn 2%, and there are no foreign transaction fees. The card also takes 20% off the $149.99 Samsung VIP Advantage annual membership when you pay with it, applied at checkout, and that membership purchase itself earns 5%. It is a sensible pickup if you are buying a phone or TV from Samsung and are willing to live inside Samsung Wallet, and not much of a card if you aren't.
Earn rates & credits
| Category | Rate |
|---|---|
Online Shopping In-store or online purchases made directly from Samsung in the U.S. | 5% |
Mobile Wallet Purchases Any purchase paid through Samsung Wallet; purchases made with the physical card or outside Samsung Wallet earn 1% | 3% |
Streaming Streaming services like Netflix, Disney+ and Spotify | 2% |
Everything Else Purchases made with the physical card or outside Samsung Wallet | 1% |
| Benefit | Value |
|---|---|
Samsung VIP Advantage Discount 20% off the $149.99 Samsung VIP Advantage annual membership (Samsung Care+, VIP Priority Care, exclusive discounts, early access) when you pay with the card, applied instantly at checkout. Membership purchases and renewals also earn 5% cash rewards. | 20% /yr |
Card details
Regular APR | 23.49%–32.24% variable |
Foreign transaction fee | None |