Sam's Club MC

Where you can talk about store credit cards, like gas station cards, department store cards, etc.
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rockyrock
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Sam's Club MC

Postby rockyrock » Mon Aug 31, 2015 9:28 am

I've really been considering the Sam's Club MC lately. I think it is somewhat of a hidden gem. 5% year round on fuel and 3% dining and travel all for no AF.

Right now I use Discover or Freedom for dining and gas (during bonus quarters) and AT&T for travel. During not cat quarters, I use PRG for dining and BCP for gas.

I don't have a CSP anymore so UR is only worth earning during 5% and even then it's just a backup card. Discover is at the front of the line for most spend this year thanks to the 2x bonus.

If I move forward with this plan, I'll be able to consolidate gas, dining & travel to the Sam's card and grocery to my BCP. PRG will be my grocery backup once we exceed the $6k. Discover will stay primary for rotating cats and "everything else." This will let me drop the AT&T & Freedom.

It's hard to get my wife to think about which card to use. I could just put the Sam's MC in her car and tell her to use it only for gas or the drive thru. This would ensure she always gets a good return. She keeps the BCP in her purse so that gets the rest of her spend.

Are there any holes in my thinking?
Sapphire Reserve: travel & dining (almost everything until I meet my initial spend)
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else


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CarefulBuilder14
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Re: Sam's Club MC

Postby CarefulBuilder14 » Mon Aug 31, 2015 3:06 pm

I know a non-member can buy something at Sam's Club and pay a 10% surcharge. I did that to use an Amex offer. Can a non-member also get the credit card?

If you need a paid membership, then it would be more accurate to say the card has no additional AF, rather than saying there's no AF in the first place.

As an Executive Costco member, I totally get the value of a membership if you shop at a warehouse club regularly.

As far as the rewards, it looks like a decent replacement for CSP for your spending. On any fraud issues, though, I'd rather deal with Chase than Synchrony. Travel and dining expose your card info to a lot of people, some of whom will be unscrupulous.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

rockyrock
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Location: Ventura, CA

Re: Sam's Club MC

Postby rockyrock » Wed Sep 02, 2015 8:31 am

CarefulBuilder14 wrote:I know a non-member can buy something at Sam's Club and pay a 10% surcharge. I did that to use an Amex offer. Can a non-member also get the credit card?

If you need a paid membership, then it would be more accurate to say the card has no additional AF, rather than saying there's no AF in the first place.

As an Executive Costco member, I totally get the value of a membership if you shop at a warehouse club regularly.

As far as the rewards, it looks like a decent replacement for CSP for your spending. On any fraud issues, though, I'd rather deal with Chase than Synchrony. Travel and dining expose your card info to a lot of people, some of whom will be unscrupulous.


No additional AF is more accurate. I was speaking for myself, I've been a Sam's member for >12 years now. I agree becoming a member simply to get this card would change the equation.

I have also gotten spoiled by dealing with Chase. To be honest, Citi has gotten better but I might still put them on par with Synchrony...
Sapphire Reserve: travel & dining (almost everything until I meet my initial spend)
Blue Cash Preferred: groceries & gas
Freedom: 5% cats
Double Cash: everything else



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