Synchrony Bank · Mastercard

Sam's Club Mastercard®

★★★★★ 4.5 Wafacard score
Issuer page Confirm current terms on the issuer website
Annual fee
$0
Rewards rate
See reward details
Intro offer
Check the issuer page for any current introductory offer and eligibility rules.
Recommended credit
Good (670-719)
Fees and terms

Rates and fees can change by applicant profile and issuer updates. Confirm current terms on the issuer website before applying.

Annual fee
No annual fee
Purchase APR
APR range: 20.15% - 28.15%
Balance transfer APR
Check issuer terms
Cash advance APR
APR range: 25.15% - 31.15%
Foreign transaction fee
Check issuer terms
Late payment fee
Up to $40
Grace period
23 days
Recommended credit
Good (670-719)
Terms last updated
6/22/2026
Key benefits
  • Fraud-liability protection
  • No yearly card fee
  • Cash-back earning focus
Rewards breakdown

Wafacard summary: this cash-back card shows cash-back earning from 1%-5% depending on the purchase type and issuer rules. Check the issuer page for eligible categories, caps, and current terms.

Intro offer: Check the issuer page for any current introductory offer and eligibility rules.

Card details

Wafacard note: key fit signals include fraud-liability protection, no yearly card fee, cash-back earning focus. Availability, exclusions, and enrollment rules can vary by issuer terms.

Issuer
Synchrony Bank
Network
Mastercard
Type
cashback
Review status
Terms reviewed 6/30/2026

Is Sam's Club Mastercard® worth it?

The Sam's Club Mastercard® is a no-annual-fee cashback card from Synchrony Bank, so you can keep it long term without paying to hold it. New cardholders may also qualify for a welcome offer: Check the issuer page for any current introductory offer and eligibility rules. It is generally aimed at applicants with good (670-719) credit, with a purchase APR around APR range: 20.15% - 28.15%. Confirm current terms on Synchrony Bank's site before applying.

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