Sam’s Club® Mastercard® from Synchrony: annual fee, APR and rewards

Fact sheet for the Sam’s Club® Mastercard®, issued by Synchrony, with no annual fee and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Mastercard
Annual fee	$0
Rewards	Points: 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%); 3% back on Sam’s Club purchases for Plus members (Club members earn 1%); 3% back on dining and takeout; 1% back on other purchases. Maximum of $5,000 in Sam’s Cash per calendar year.
Purchase APR	New Accounts as of 1/1/26: Sam's Club Mastercard: Variable Purchase APR 20.15% or 28.15%.
Foreign transaction fee	None
Credit level	Excellent (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.53%, with a range of 20.40% to 28.65%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.