Which card has a lower annual fee, Fold or Sam's Club Mastercard?

The Fold has no annual fee, compared to $0 for the Sam's Club Mastercard.

Which card earns more cash back, Fold or Sam's Club Mastercard?

The Fold earns 1.5% base cash back, while the Sam's Club Mastercard earns 1.0%. The best choice depends on your spending habits. Use the calculator to see which card earns you more.

Is the Fold better than the Sam's Club Mastercard?

It depends on your spending. If you spend more on categories where the Fold offers higher rewards, it may be better. Use our calculator to compare based on your actual monthly spending.

Fold vs Sam's Club Mastercard®: Which Card Wins for Your Spending?

Which earns more for you?

Travel ($)

Dining ($)

Groceries ($)

Gas ($)

Special ($)

Other ($)

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 Fold (no annual fee) and the Sam's Club Mastercard® (no annual fee) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.

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Meet the Contenders

Fold

1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). Earns a solid 1.5% on everything else.

Annual fee: None Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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Sam's Club Mastercard

Strongest 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.

Annual fee: None Sign-up bonus: $30 after $30 spend in 1 months Foreign fees: 0%

Perfect if: You want solid rewards without paying an annual fee.

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Head-to-Head Comparison

Feature	Fold	Sam's Club Mastercard
Annual Fee	$0	$0
Sign-Up Bonus	None	$30 after $30 spend in 1 months
Foreign Transaction Fee	0%	0%
Base Reward Rate	1.5%	1.0%
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	1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity).	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.

The Verdict

Fold 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.