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Credit Cards » Compare Credit Cards » Sam’s Club Mastercard vs Walmart Rewards Mastercard: How They Compare?

Sam’s Club Mastercard vs Walmart Rewards Mastercard: How They Compare?

Both Sam's Club and Walmart cards cater to the retail giant's customer base, offering perks for frequent shoppers. Here's our comparison
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: November 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update: November 29, 2024
Author: Baruch Mann (Silvermann)
Interest Rates Last Update: November 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
  • Article update:November 29, 2024

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

Choosing between the Sam's Club Mastercard and the Walmart Rewards Mastercard involves a nuanced evaluation of rewards, benefits, and personal shopping habits. Both credit cards cater to the retail giant's customer base, offering perks for frequent shoppers.

Sam’s Club vs. Walmart Card: General Comparison

The Sam's Club Mastercard offers a strong rewards structure, particularly for Sam's Club Plus members. To take advantage of the benefits, you'll need a Sam's Club membership, with the Club membership starting at $50 per year and the Plus membership at $110 annually. One of the standout features of this card is its high cash-back rate on gas, which is among the best available.

The Walmart Rewards Mastercard is tailored for Walmart shoppers, offering 5% cash back on Walmart.com purchases, including grocery pickup and delivery, and 2% back on in-store purchases. This card could be a great choice for those who primarily shop online, making it a more rewarding option for e-commerce-focused spending.

Capital One® Walmart Rewards® Card

Sam's Club® Mastercard®
Capital One Walmart Rewards Card
Sam's Club Mastercard
Annual Fee
$0
$0 ($50/$110 for Club/Plus membership – MUST)
Rewards
5% cash back at Walmart.com (including pickup and delivery), 2% cash back in Walmart stores and gas stations, at restaurants and on travel plus 1% cash back everywhere else Mastercard is accepted
5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year, then 1% after), 3% cash back on Sam’s Club purchases for Plus members, 3% on dining and takeout and 1% on all other purchases
Welcome bonus
5% cash back for the first 12 months when you use your card with Walmart Pay for in-store purchases, upon approval
$30 statement credit after making $30 in Sam’s Club purchases within the first 30 days
0% Intro APR
N/A
N/A
Foreign Transaction Fee
Unknown
N/A
Purchase APR
17.99% – 28.99% (Variable)
20.40% or 28.40% Variable
Read Review
Read Review
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold
Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

AMEX Blue Cash Preferred Card review
Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Cashback Analysis: Sam’s Club vs. Walmart Card

Assuming all supermarket and gas purchases are made via Walmart.com or Sam's Club (for Plus members)  – the Walmart card will drive you more cash back. 

Capital One® Walmart Rewards® Card

Sam's Club® Mastercard®
Spend Per Category
Capital One Walmart Rewards Card
Sam's Club Mastercard
$15,000 – U.S Supermarkets
$750
$450
$5,000 – Restaurants
$100
$150
$4,000 – Travel
$80
$40
$4,000 – Gas
$80
$200
Estimated Annual Cashback
$1,010
$840

* Assuming all supermarkets/gas purchases made via Walmart.com/Sam's Club

Additional Benefits: Comparison

When it comes to extra benefits,  the Sam's Club offers attractive benefits but only if you have a Plus membership and not a regular membership club. The Walmart card extra benefits are minor.

Capital One Walmart Rewards Card

Capital One® Walmart Rewards® Card

  • Security Alerts: Receive text, email, and phone notifications from Capital One® if potential suspicious activity is detected on your account.

  • $0 Fraud Liability: In the event of a lost or stolen card, you won't be held responsible for any unauthorized charges, providing a safeguard against financial loss.

Sam's Club Mastercard

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.

When You Might Prefer The Walmart Rewards Card?

Consider opting for the Capital One Walmart Rewards Mastercard over the Sam's Club Mastercard in the following scenarios:

  • Online Shopping Emphasis: If you frequently make online purchases, especially through Walmart.com, the Capital One Walmart Rewards Mastercard's 5% cash back on such transactions can make it a more attractive choice for maximizing rewards.
  • You Spend More On Restaurants And Travel: The Capital One Walmart Rewards Mastercard offers a competitive 2% cash back on restaurants and travel, which can be beneficial if these categories are significant parts of your spending.
  • You Want A Variety Of Redemption Options: You can easily redeem your Walmart Rewards with the Capital One Walmart Rewards® Card. Choose to receive cash back through a check or apply it as a statement credit. Use your rewards to cover recent purchases made with the card or opt for gift cards from Walmart or other retailers. Additionally, you can redeem rewards for travel, offsetting expenses related to trips and travel purchases made using the card.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold
Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership

upgrade cash rewards
Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

AMEX Blue Cash Preferred Card review
Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership

upgrade cash rewards

Rewards Plan:
1.5% 1.5% cash back on payments
Welcome Bonus:
$200 Earn $200 bonus after opening a Rewards Checking account and making 3 debit card transactions.

AMEX Blue Cash Preferred Card review

Rewards Plan:
1-6% 6% cash back at U.S. supermarkets (up to $6,000 per year in purchases, then 1%) and selected U.S. streaming subscriptions, 3% cash back on transit and U.S. gas stations, 1% cash back on other purchases
Welcome Bonus:
$250 $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer The Sam's Club Mastercard?

Consider opting for the Sam's Club Mastercard over the Capital One Walmart Rewards Card if you fall into these scenarios:

  • Frequent Sam's Club Shopper: If you regularly shop at Sam's Club and hold a membership there, the Sam's Club Mastercard offers enticing cashback rewards, including 5% on gas, making it a more advantageous choice for dedicated Sam's Club customers.

  • High Gas Expenditure: If you consistently spend a significant amount on gas, the Sam's Club Mastercard stands out with its 5% cash back on gas purchases, making it a more lucrative option compared to the Capital One Walmart Rewards.

  • Sam's Club Plus Membership: For Sam's Club Plus members, the Sam's Club Mastercard presents an even more attractive option, offering a remarkable 5% cash back on Sam's Club purchases, providing the highest cashback rate available for Sam's Club shopping.

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:

target red card

Apple card

amazon prime visa
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% back on Amazon.com, Amazon Fresh, Whole Foods Market, and Chase Travel purchases. Plus, you’ll get 2% back at gas stations, restaurants, and on local transit, and 1% on all other purchases
Welcome bonus
None
N/A
$200 Get a $200 Amazon Gift Card
Foreign Transaction Fee
$0
$0
$0
Purchase APR
29.45% Variable
15.99% – 26.99% Variable
19.99% – 28.74% Variable
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