Sam’s Club Cash Rewards (How It Works, Redeeming, Benefits + More)

The number of benefits members can access at Sam’s Club is seemingly never-ending. Perks like free tire installation and cash rewards make shopping at Sam’s Club well worth the annual membership fee.

However, you may be curious about the specifications of Sam’s Club’s cash rewards program. Do all members have access to the cash rewards program? And how does it work?

Here is all you need to know about Sam’s Club’s cash rewards program that I uncovered through my research!

Sam’s Club Cash Rewards

Sam’s Club cash rewards are only available to Plus-level members. Plus, members earn 2% in cash rewards on qualifying purchases up to $2,000 at a time. Additionally, Plus members can redeem cash rewards for store credit or cash and check on accrued amounts using Sam’s Club’s website.

To learn more about how the Sam’s Club cash rewards work and what products are ineligible for cash rewards, continue reading!

How Does Sam’s Club’s Cash Rewards Work?

Certain members at Sam’s Club are eligible to earn 2% in cash rewards on qualifying purchases. Any redeemed savings or other discounts are subtracted from the cash reward earnings.

Additionally, there is a maximum reward amount during the membership year, which is 12 months from the membership activation date.

Cash rewards at Sam’s Club are automatically loaded onto your member account about 2 months before the membership year ends.

The cash rewards are deducted from your accrual if you receive a refund or return any items during the year.

Also, for Sam’s Club cash rewards to be earned and redeemed, you must be an active member at the time.

How Do You Redeem Cash Rewards At Sam’s Club?

Sam’s Club makes redeeming your cash rewards hassle-free!

The cash rewards you earn at Sam’s Club are automatically loaded onto your membership account at the end of each 12-month period.

At the end of your membership year, your cash rewards are available for redemption. Sam’s Club allows you to redeem your cash rewards as a store credit at any Sam’s Club location or as cash.

Additionally, you can use your cash rewards for purchases online, in-store, or in the Sam’s Club mobile app if you redeem the rewards as store credit.

However, only the Primary Member on the membership account can access and redeem the accrued cash rewards.

With that, cash rewards at Sam’s Club are non-transferable and non-assignable.

Do All Sam’s Club Members Receive Cash Rewards?

Do All Sam's Club Members Receive Cash Rewards?

The cash rewards program at Sam’s Club is an exclusive program for Plus-level members only.

Unfortunately, members with a Club-level membership plan, the most basic membership plan, cannot receive the 2% cash back rewards.

Additionally, only Sam’s Club members within the United States can access the cash rewards.

If you have a Plus membership with add-on members, the add-on members do not qualify to earn cash rewards for themselves or the primary member on the account.

Club-level members do have an opportunity to earn cash back, however. For example, all members at Sam’s Club can apply for the Sam’s Club Mastercard, which offers 1% cash back on qualifying purchases for Club-level members.

Plus members who use the Sam’s Club Mastercard can receive 3% cash back on qualifying purchases.

What Products Are Eligible For Cash Rewards At Sam’s Club?

Most of the items Sam’s Club sells are eligible for cash rewards. However, there is a list of products that do not qualify for cash reward earnings.

For example, you cannot earn cash rewards at Sam’s Club on the following items:

  • Tobacco products (including e-cigarettes)
  • Alcohol
  • Milk
  • Fuel
  • Gift cards
  • Auctions
  • Lottery tickets
  • Membership renewal
  • Pharmacy prescriptions
  • Postage stamps
  • Photo center products
  • Mobile phone contracts
  • Service and labor (tire installation, delivery, eye exams, etc.)
  • Taxes and fees
  • Service plans
  • Services and items sold by third parties through Sam’s Club (insurance, auto buying program, subscriptions, etc.)

Sam’s Club’s website also states that they reserve the right to add, delete, or modify qualifying purchases that are part of the cash rewards program without prior notice.

Is There A Limit To Cash Rewards At Sam’s Club?

Sam’s Club does place a maximum balance amount for the total cash rewards a member can receive.

For example, there is a $2,000 cash rewards maximum balance.

Additionally, when you reach the $2,000 limit, you must redeem your earned cash rewards before more rewards start accruing.

How Do You Check Your Cash Reward Status?

How Do You Check Your Cash Reward Status?

Sam’s Club makes it simple to check the status of your cash rewards using their website. First, log in to your account on the Sam’s Club website to check your cash rewards.

Then, click on the ‘Cash Rewards’ link in the ‘Your Account’ dropdown menu to the right of the ‘Search’ bar.

Another way to check your cash rewards status is to visit the Membership desk at your local store.

Simply bring your membership card, and a Sam’s Club employee will help inform you of your cash rewards status.

If you want to upgrade your membership to be eligible for cash rewards, the Membership desk can also help you do that.

Are Cash Rewards The Same As Sam’s Club’s MasterCard Cash Back Program?

Sam’s Club offers a credit card exclusively for members. However, the Sam’s Club Mastercard and the cash rewards at Sam’s Club are 2 separate programs.

The Sam’s Club Mastercard is available for all members, but there is a difference between the amount of cashback Club, and Plus-level members can earn.

Club-level members earn 1% cash back, while Plus-level members earn 3% cash back. On the other hand, Sam’s Club’s cash rewards are only available for Plus-level members.

Can You Use Sam’s Club Cash Rewards At Walmart?

One way to redeem your accrued cash rewards is to cash out at a register upon checkout at Sam’s Club.

So, after you cash out, you can use the money to purchase items at Walmart or any other store.

What Are The Other Benefits Of A Plus Membership At Sam’s Club?

Having access to cash rewards is only one benefit of purchasing a Plus-level membership plan.

For $100 a year, a Plus membership gives you access to free shipping on all online orders, earlier shopping hours, and free select generic prescriptions.

Other perks of a Plus membership include the following:

  • 20% off select prescription glasses
  • 15% off a Pandora music streaming subscription
  • 16 add-on memberships at a reduced rate of $40 apiece

A Plus membership plan is perfect for you if you shop at Sam’s Club frequently.

Additionally, Plus memberships are recommended for small businesses because of all the savings you can access and the tools Sam’s Club provides for small business owners.

For example, the cash rewards program is one way that business owners can earn money to put back into their businesses.

Now that you know about Sam’s Club cash rewards, you might also be interested in reading up on if you can get a membership refund at Sam’s Club, our guide on Sam’s Club Optical, and if Sam’s Club replaces lost membership cards.


Cash rewards at Sam’s Club are only available for Plus-level members, who can receive 2% earnings on qualifying purchases, with a maximum amount of $2,000 of accruable cash rewards within 12 months.

Additionally, you can redeem your cash rewards for Sam’s Club credit, which you can use in-store, online, or on the mobile app, or as cash, which you can use at any store of your choosing.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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