The Sam's Club Mastercard (Synchrony) is a personal credit card from Sam's Club Mastercard (Synchrony). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 22.90%–29.90% variable. Approval typically requires a credit score of at least 700 or higher. Signup bonus: $30 statement credit after making $30 in Sam's Club purchases within the first 30 days of account opening. Rewards: 5% back on gas (up to $6,000/yr), 3% on dining and takeout, 1% on all other purchases. Cash back reward issued annually. Sam's Club membership required..