Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bank of America® Unlimited Cash Rewards credit card (no annual fee) and the Sam's Club Mastercard® (no annual fee) comes down to where you spend most. Neither card has an annual fee, so it comes down to where you spend: Bank of America Unlimited Cash Rewards earns more on groceries, flights, hotels, other travel and other purchases, Sam's Club Mastercard on dining and gas. Enter your monthly spending above to see which comes out ahead for you.
2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. Earns a solid 1.5% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in gas at 5% (up to $6,000/yr). 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership.
Perfect if: You want solid rewards without paying an annual fee.
Apply Now| Feature | Bank of America Unlimited Cash Rewards | Sam's Club Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | $250 after $1,000 spend in 90 days | $30 after $30 spend in 30 days |
| Foreign Transaction Fee | 3% | 0% |
| Base Reward Rate | 1.5% | 1% |
| Dining Rewards | 1.5% | 3% |
| Gas Rewards | 1.5% | 5% (up to $6,000/yr) |
| Rates with conditions not counted in the rows above |
None |
3% at Sam's Club with Plus Earns 3% on Sam's Club purchases only with a Plus membership, which costs more than the base Club tier. Club members earn 1% there, and groceries bought anywhere else earn 1%. |
| Key Benefits | 2% first year, then 1.5% unlimited, up to 2.62% with Preferred Rewards. | 5% on gas and EV charging (first $6,000/yr), 3% on dining and takeout, 1% elsewhere. Warehouse purchases earn 1% unless you hold a Plus membership. |
Bank of America Unlimited Cash Rewards pulls ahead for travel, groceries spending.
Sam's Club Mastercard wins on dining, gas.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.