Sam's Club Mastercard and Target Red Card are both retail credit cards that offer unique benefits to their respective cardholders. Let's compare them side by side:
General Comparison
The Sam's Club Mastercard has a cool rewards program, especially if you're a Sam's Club Plus member. But here's the catch – you need a Sam's Club membership, and that starts at $50 a year for the basic one and $110 a year for the fancier Plus version. The good part is, if you spend a lot on gas, the cash-back you get is one of the best out there.
Now, let's talk about the Target Red Card. It gives you a 5% discount on almost everything you buy at Target, whether you're in the store or shopping online. This discount covers a bunch of stuff, making it awesome for people who love to shop at Target a lot. Plus, if you're someone who likes shopping from your couch, you'll love that the card throws in free shipping for your online orders. It's like a cherry on top for the home shoppers out there.
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Sam's Club vs. Target Cashback: Which Card Gives More?
If you do all your grocery and fuel shopping at either Target or Sam's Club, the cashback you get from both cards is pretty similar. However, there's a slight edge with Target.
Both cards give you some cool cashback perks, but when it comes to the cashback rate at their respective stores, Sam's Club's higher rate (for Plus members) is a bit lower than what Target offers:
|
| |
|---|---|---|
Spend Per Category | Target RedCard Credit Card | Sam's Club Mastercard |
$15,000 – U.S Supermarkets | $750 | $450 |
$5,000 – Restaurants | $100 | $150 |
$4,000 – Travel
| $40 | $40 |
$4,000 – Gas | $80 | $200 |
Estimated Annual Cashback | $970 | $840 |
* Assuming all supermarkets/gas purchases made via Target/Sam's Club
Additional Retail Shopping Benefits: Comparison
When it comes to extra benefits, both cards offer retail shopping benefits for cardholders. here's what you can get with each card:
Target RedCard Credit Card
Swift Shipping Convenience: Experience the ease of rapid delivery with complimentary 2-day shipping on a wide array of items when making purchases on Target.com.
Exclusive RedCard Offers: Access special products and exclusive deals reserved solely for RedCard holders, elevating your shopping experience with distinctive advantages.
Extended Return Period: Enjoy an additional 30 days for returns and exchanges at Target, offering flexibility and peace of mind for your purchases.
Starbucks Savings: Trim 5% off your expenses at any in-store Starbucks location by utilizing your Target Red Card, providing an additional perk for aficionados of quality coffee.
Savings on Specialty Gift Cards: Garner a 5% discount on specialty gift cards encompassing travel, restaurants, movie tickets, and more, enabling savings on a diverse range of experiences and purchases extending beyond the confines of Target.
Sam's Club Mastercard
The Sam's club MasterCard doesn't offer extra benefits unless you have a Plus member – which costs $110 annually. Only cardholders with a plus membership can also get the following:
- Early Shopping: Gain exclusive access to select online events before the crowds.
- 20% Off a Pair of Glasses: Enjoy a significant discount on eyewear, coupled with complimentary shipping on contact lenses.
- Free Shipping: Benefit from free shipping on the majority of items when shopping online or through the Sam’s Club app.
- Free Curbside Pickup: Simplify your shopping experience with the convenience of curbside pickup, including assistance in loading your car.
- Free Select Generic Prescriptions: Access over 600 generic prescriptions at $10 or less and enjoy discounts on brand-name drugs.
- Earn 2% Sam’s Cash™: Receive cashback on in-club purchases, with the opportunity to earn up to $500 a year.
- Same-Day Delivery: Opt for same-day delivery at a minimal cost of $8 with Sam's Club Plus, available when you order by 1 pm.
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Compare The Alternatives
If you're looking for a store credit card with great rewards for online shopping – there are some good alternatives you may want to consider:
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|
| |
|---|---|---|---|
Target Red Card | Apple Credit Card | Amazon Prime Rewards Visa Signature Card | |
Annual Fee | $0 | $0
| $0 ($139 Amazon Prime subscription required)
|
Rewards | 1% – 5%
5% off at Target and target.com, 2% on dining and gas purchases and 1% everywhere else outside of Target
| 1% – 3%
3% cash back at Apple and select Apple pay partners. 3% Daily Cash back at Ace Hardware, Duane Reade, Exxon, Mobil, Nike, Panera Bread, T-Mobile, Uber, Uber Eats, and Walgreens. 2% on other Apple pay purchases, and 1% on all other purchases
|
1-5%
5% at Amazon.com, Amazon Fresh , Whole Foods Market and on Chase Travel purchases, 2% cash back on gas stations, restaurants and on local transit and commuting, 1% cash back on all other purchases
|
Welcome bonus | None | N/A |
$100
$100 Amazon gift card upon approval
|
Foreign Transaction Fee | $0 | $0 | $0
|
Purchase APR | 29.95% (Variable) | 15.99% – 26.99% Variable
| 19.49% – 27.49% Variable
|
Compare Sam’s Club Mastercard
Both Sam's Club and Walmart cards cater to the retail giant's customer base, offering perks for frequent shoppers. Here's our comparison
Sam’s Club Mastercard vs Walmart Rewards Mastercard: How They Compare?
In the realm of wholesale clubs, Sam's Club and Costco stand as titans. Which of them offers a better branded credit card? Here's our verdict.
Sam's Club Mastercard vs Costco Anywhere Visa Card: Which Card Is Best?
Compare Target Red Card
While Target RedCard offers a less attractive cashback rewards ratio than Amazon, it still may be a better option for some. Let's compare.
If you focus on groceries – the Target RedCard wins, but if you focus on travel or gas – you may want the Costco credit card.
Target Red Card vs. Costco Anywhere Visa Card: How They Compare?
The target RedCard is our clear winner, with a higher cash-back rate and estimated annual value. Here's what you can get with each card.
The Target RedCard is our winner especially if you focus on groceries and dining, with much better cashback rates than Macy's Credit Card.
Target Red Card vs. Macy's Credit Card: What Store Card Offers The Highest Rewards?
