Synchrony Premier World Mastercard vs Sam's Club Mastercard
Both are Synchrony cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Premier World Mastercard 2.0% 2% base rate
- Sam's Club Mastercard 1.0% 1% base rate
Dining
- Sam's Club Mastercard 3.0% 3%
- Premier World Mastercard 2.0% 2% base rate
Gas
- Sam's Club Mastercard 5.0% 5%, capped
- Premier World Mastercard 2.0% 2% base rate
Wholesale clubs
- Sam's Club Mastercard 3.0% 3%
- Premier World Mastercard 2.0% 2% base rate
What the numbers are doing
Sam's Club Mastercard's 5% on gas runs out: it applies to the first $6,000 of gas spend a year, and everything past that earns 1%.
Abroad the answer flips: Premier World Mastercard charges a 3% foreign transaction fee, so once that comes off the rate Sam's Club Mastercard is the better card for everyday spend.
Where they differ: Premier World Mastercard takes everything else; Sam's Club Mastercard takes dining, gas and wholesale clubs.
| Category | Best card |
|---|---|
| Everything else | Premier World Mastercard2.0% |
| Dining | Sam's Club Mastercard3.0% |
| Gas | Sam's Club Mastercard5.0% |
| Wholesale clubs | Sam's Club Mastercard3.0% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Premier World Mastercard — 2.0%
- Sam's Club Mastercard — 1.0%
Dining
- Sam's Club Mastercard — 3.0%
- Premier World Mastercard — 2.0%
Gas
- Sam's Club Mastercard — 5.0%
- Premier World Mastercard — 2.0%
Wholesale clubs
- Sam's Club Mastercard — 3.0%
- Premier World Mastercard — 2.0%
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