Sam’s Club World Elite Mastercard® (Club members)
The Sam’s Club World Elite Mastercard® (Club members) from Synchrony Bank earns up to 5% effective value on gas in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Sam’s Club World Elite Mastercard (Club members) earn in each category?
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 5% back | 5% Top category |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Sam’s Club World Elite Mastercard (Club members) reward caps and conditions?
The Sam’s Club World Elite Mastercard (Club members) has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3% back in Sam’s Cash on dining and takeout
- Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%) Capped at $6000.
Who should get the Sam’s Club World Elite Mastercard (Club members)?
The Sam’s Club World Elite Mastercard (Club members) fits spenders who put meaningful volume in gas and can earn 5% back. Best for spenders who put meaningful volume in gas and can earn 5% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Sam’s Club World Elite Mastercard (Club members) fits spenders who put meaningful volume in gas and can earn 5% back. Madeen ranks its gas effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 5% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 5% effective (5% back).
- That gas rate ranks higher than about 99% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Sam’s Club World Elite Mastercard (Club members) have an annual fee, and what's the welcome bonus?
The Sam’s Club World Elite Mastercard (Club members) has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Sam’s Club World Elite Mastercard (Club members)?
The Sam’s Club World Elite Mastercard (Club members) includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Elite Mastercard®
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
- LyftIncluded with World Elite Mastercard®
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
- Mastercard Global Service®
Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.
- Mastercard GolfIncluded with World Elite Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
- Mastercard ID Theft ProtectionIncluded with World Elite Mastercard®
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
- Mastercard Music and Entertainment Access benefitIncluded with World Elite Mastercard®
Mastercard gives you exclusive access to premium preferred seats and ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Common questions about the Sam’s Club World Elite Mastercard (Club members)
Does the Sam’s Club World Elite Mastercard (Club members) have an annual fee?
The Sam’s Club World Elite Mastercard (Club members) carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Sam’s Club World Elite Mastercard (Club members)?
Gas is the strongest Madeen category for the Sam’s Club World Elite Mastercard (Club members) at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Sam’s Club World Elite Mastercard (Club members) charge foreign transaction fees?
The Sam’s Club World Elite Mastercard (Club members) does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Sam’s Club World Elite Mastercard (Club members)?
Madeen's catalog lists a typical credit range of Good for the Sam’s Club World Elite Mastercard (Club members). Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Sam’s Club World Elite Mastercard (Club members)?
Rewards on the Sam’s Club World Elite Mastercard (Club members) post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Sam’s Club World Elite Mastercard (Club members)?
To maximize the Sam’s Club World Elite Mastercard (Club members), route gas and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Sam’s Club World Elite Mastercard (Club members) compare to similar cards?
Compare the Sam’s Club World Elite Mastercard (Club members) against Sam's Club Business Mastercard (5% on Gas, $0 fee); Sam’s Club Mastercard (5% on Gas, $0 fee); Sam’s Club World Elite Mastercard (Plus members) (5% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Sam’s Club World Elite Mastercard (Club members) This card | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
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