Sam’s Club World Elite Mastercard® (Plus members)
Synchrony Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Synchrony Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Sam’s Club World Elite Mastercard® (Plus members) from Synchrony Bank earns up to 5% effective value on gas in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $0
Best for gas-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in gas and can earn 5x points.
What does the Sam’s Club World Elite Mastercard (Plus members) earn in each category?
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Sam’s Club World Elite Mastercard (Plus members) compares across dining, grocery, gas, travel, and other spend. Catalog spend.
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Sam’s Club World Elite Mastercard (Plus members) compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 5x points | 5% Top category |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Sam’s Cash 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 (Plus members) reward caps and conditions?
The Sam’s Club World Elite Mastercard (Plus 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.
- 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 (Plus members)?
The Sam’s Club World Elite Mastercard (Plus members) fits spenders who put meaningful volume in gas and can earn 5x points. Best for spenders who put meaningful volume in gas and can earn 5x points.
Sam’s Club World Elite Mastercard (Plus members) fits spenders who put meaningful volume in gas and can earn 5x points. 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 5x points.
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.
Pros
- Strongest Madeen category is gas at about 5% effective (5x points).
- 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
- Sam’s Cash value depends on how you redeem, not straight cash back.
Does the Sam’s Club World Elite Mastercard (Plus members) have an annual fee?
The Sam’s Club World Elite Mastercard (Plus members) has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Sam’s Club World Elite Mastercard (Plus members)?
The Sam’s Club World Elite Mastercard (Plus 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.
Lyft
$1,440/yrMore 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 Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrersonalized services that save you time and simplify your day.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries 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.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
Mastercard Global Service®
$25/yrProvides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Related encyclopedia topics
Common questions about the Sam’s Club World Elite Mastercard (Plus members)
Where do cardholders spend most with the Sam’s Club World Elite Mastercard (Plus members)?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (5x), coffee (3x), fast food (3x) for the Sam’s Club World Elite Mastercard (Plus members). These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Sam’s Club World Elite Mastercard (Plus members) have an annual fee?
The Sam’s Club World Elite Mastercard (Plus 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 (Plus members)?
Gas is the strongest Madeen category for the Sam’s Club World Elite Mastercard (Plus 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 (Plus members) charge foreign transaction fees?
The Sam’s Club World Elite Mastercard (Plus 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.
What credit score do you need for the Sam’s Club World Elite Mastercard (Plus members)?
Madeen's catalog lists a typical credit range of Good for the Sam’s Club World Elite Mastercard (Plus members). Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Sam’s Club World Elite Mastercard (Plus members)?
Rewards on the Sam’s Club World Elite Mastercard (Plus members) post as Sam’s Cash. Redemption value depends on how you use Sam’s Cash (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Sam’s Club World Elite Mastercard (Plus members) compare to similar cards?
Compare the Sam’s Club World Elite Mastercard (Plus 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 (Club 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 (Plus 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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Synchrony Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Synchrony Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure