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. Neither card has an annual fee, so it comes down to where you spend: Fold 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.
1.5% bitcoin back on all purchases (stackable up to 4% with bitcoin activity). 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 | Fold | Sam's Club Mastercard |
|---|---|---|
| Annual Fee | $0 | $0 |
| Sign-Up Bonus | None | $30 after $30 spend in 30 days |
| Foreign Transaction Fee | 0% | 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 | 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. |
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.