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Synchrony Sam's Club Mastercard vs Venmo Credit Card

Both are Synchrony cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Venmo Credit Card · Pay with Venmo 3.0% 3%
  2. Sam's Club Mastercard 1.0% 1% base rate
  3. Venmo Credit Card 1.0% 1% base rate

Dining

  1. Sam's Club Mastercard 3.0% 3%
  2. Venmo Credit Card 3.0% 3%

Groceries

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gas

  1. Sam's Club Mastercard 5.0% 5%, capped
  2. Venmo Credit Card 1.0% 1% base rate

Travel

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Online

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Drugstores

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Ground transportation

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Streaming

  1. Venmo Credit Card 3.0% 3%
  2. Sam's Club Mastercard 1.0% 1% base rate

Entertainment

  1. Venmo Credit Card 3.0% 3%
  2. Sam's Club Mastercard 1.0% 1% base rate

Wholesale clubs

  1. Sam's Club Mastercard 3.0% 3%
  2. Venmo Credit Card 1.0% 1% base rate

Amazon

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

PayPal

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Phone & internet

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Utilities

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Rent & mortgage

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Apple

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Department stores

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Electronics stores

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Furniture stores

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Clothing stores

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Sporting goods

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Home improvement

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gyms

  1. Venmo Credit Card 3.0% 3%
  2. Sam's Club Mastercard 1.0% 1% base rate

Shipping

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Advertising

  1. Sam's Club Mastercard 1.0% 1% base rate
  2. Venmo Credit Card 1.0% 1% 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%.

Where they differ: Venmo Credit Card takes everything else, streaming, entertainment and gyms; Sam's Club Mastercard takes gas and wholesale clubs.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVenmo Credit Card · Pay with Venmo3.0%
DiningSam's Club Mastercard3.0%
GroceriesSam's Club Mastercard1.0%
GasSam's Club Mastercard5.0%
TravelSam's Club Mastercard1.0%
OnlineSam's Club Mastercard1.0%
DrugstoresSam's Club Mastercard1.0%
Ground transportationSam's Club Mastercard1.0%
StreamingVenmo Credit Card3.0%
EntertainmentVenmo Credit Card3.0%
Wholesale clubsSam's Club Mastercard3.0%
AmazonSam's Club Mastercard1.0%
PayPalSam's Club Mastercard1.0%
Phone & internetSam's Club Mastercard1.0%
UtilitiesSam's Club Mastercard1.0%
Rent & mortgageSam's Club Mastercard1.0%
AppleSam's Club Mastercard1.0%
Department storesSam's Club Mastercard1.0%
Electronics storesSam's Club Mastercard1.0%
Furniture storesSam's Club Mastercard1.0%
Clothing storesSam's Club Mastercard1.0%
Sporting goodsSam's Club Mastercard1.0%
Home improvementSam's Club Mastercard1.0%
GymsVenmo Credit Card3.0%
ShippingSam's Club Mastercard1.0%
AdvertisingSam's Club Mastercard1.0%

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

  1. Venmo Credit Card · Pay with Venmo — 3.0%
  2. Sam's Club Mastercard — 1.0%
  3. Venmo Credit Card — 1.0%

Dining

  1. Sam's Club Mastercard — 3.0%
  2. Venmo Credit Card — 3.0%

Groceries

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Gas

  1. Sam's Club Mastercard — 5.0%
  2. Venmo Credit Card — 1.0%

Travel

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Online

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Drugstores

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Ground transportation

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Streaming

  1. Venmo Credit Card — 3.0%
  2. Sam's Club Mastercard — 1.0%

Entertainment

  1. Venmo Credit Card — 3.0%
  2. Sam's Club Mastercard — 1.0%

Wholesale clubs

  1. Sam's Club Mastercard — 3.0%
  2. Venmo Credit Card — 1.0%

Amazon

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

PayPal

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Phone & internet

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Utilities

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Rent & mortgage

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Apple

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Department stores

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Electronics stores

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Furniture stores

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Clothing stores

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Sporting goods

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Home improvement

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Gyms

  1. Venmo Credit Card — 3.0%
  2. Sam's Club Mastercard — 1.0%

Shipping

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%

Advertising

  1. Sam's Club Mastercard — 1.0%
  2. Venmo Credit Card — 1.0%
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