Got the Sam's Club World Elite MasterCard after being snubbed by Citi for the Costco Visa the other day.
Thankfully, Citi only pulled my Equifax, which is for what I tend to do, the least important bureau as most banks don't pull it for me and it now has two hard pulls, the other being from Capital One for the Venture X early this year.
I wanted the Sam's Club MasterCard because it has 5% back at any gas station up to $6,000 in gas each year. Gas is REALLY expensive right now, so that's a no brainer even if it does come back to you as Sam's Club credit. Sam's has "Sam's Cash" which works kind of the same way as Walmart Cash.
One option for paying your Sam's membership every year is to just deduct it from your Sam's Cash. If you fill up your car once a week at the prices I'm seeing you'll get about $5 a week in Sam's Cash from the card which is $260 a year, give or take, leaving you with a free Sam's Club card and $200 from the gas you buy.
Like any credit card, you can load it into Upside and also get the Upside gas station rebates (except in Wisconsin), and also take advantage of Fuel Rewards/Race Days at Shell or your AARP Exxon Mobil Rewards points. AARP members automatically get 1 extra Exxon Mobil rewards point on a gallon of any grade gasoline, and double points on AARP members days. Regular is usually 3 points per gallon, but 4 ppg for AARP members, and 100 points can be redeemed for $1 off at the pump.
Sadly, the Sam's MasterCard doesn't have a great cashback rate for "Club" level members inside the store, only 1%, use a different card. It does 3% for the higher level "Plus" members, but that membership costs a lot more.
One thing I've noticed about Synchrony is that in light of recent events where 90+ day late credit cards have surged past the previous peak during the Great Recession, is that they're wary about risk. So expect them to start you off with a small limit then evaluate how you're using the card. But $1100 is a fine limit for a gas card, for now at least. 
I noticed a truck driver complaining that it cost almost $1500 to fill up with Diesel at a Pilot station the other day. Well, maybe we'll get lucky and even the truck drivers will realize they're getting screwed. Those owner-operators pay for fuel out of their own salary, so it definitely hits them right in the pocketbook.
Mom asked me, incredulously, "What do you mean it doubled?" I said, "Diesel was $3 a gallon in March, it's over $6 a gallon now, and this guy had to put almost 250 gallons of it in because it's a big rig."
Gas was $4.89 (and nine-tenths) at Shell today, on the sign, but I used Fuel Rewards, Race Days (make sure that there's a race that day and that it isn't rescheduled), the Sam's Credit Card that came in the mail this morning, and Upside.
I got it down to $4.17 a gallon at Shell. I find that my fuel trims are better when I use Shell gas for a while, probably because it's Top Tier and helps my injectors and intake valves stay cleaner longer between Techron treatments.
Sam's was $4.70. Not Top Tier. Looked at the station and you had 4-5 cars in a line ahead of you to get gas, vs. no wait at the Shell for $4.17 in the end.
I guess it never dawned on them that they're waiting for 30 minutes to gas up so they can pay more for worse gas. 
Thankfully, the Sam's MasterCard is 5% back at any station, does not have to be Sam's.
@AndrewF wrote:Gas was $4.89 (and nine-tenths) at Shell today, on the sign, but I used Fuel Rewards, Race Days (make sure that there's a race that day and that it isn't rescheduled), the Sam's Credit Card that came in the mail this morning, and Upside.
I got it down to $4.17 a gallon at Shell. I find that my fuel trims are better when I use Shell gas for a while, probably because it's Top Tier and helps my injectors and intake valves stay cleaner longer between Techron treatments.
Sam's was $4.70. Not Top Tier. Looked at the station and you had 4-5 cars in a line ahead of you to get gas, vs. no wait at the Shell for $4.17 in the end.
I guess it never dawned on them that they're waiting for 30 minutes to gas up so they can pay more for worse gas.
Thankfully, the Sam's MasterCard is 5% back at any station, does not have to be Sam's.
Better, just go electric. Avoid all this nonsense with fuel stations at a much cheaper charge in your garage. I will never go back to combustible, for primary vehicle, commuter in town, after having an electric for the past 3 years. Comparison is not even close.
Citi:
US Bank:
Chase:
Aven:
RH:
I can only speak to my experiences.
Paid cash for my electric car, Chevy Bolt. Price with subsidies was less than I could pay for a new ICE vehicle.
With liability only, my insurance is no different than my previous older ICE vehicle.
My electric costs are currently 1/9th of my fuel cost if driving my old ICE vehicle. Registration no different than an ICE.
There is very little mainenance on electric if handled well. You rarely use the brakes with one pedal. No oil. Coming up on replacing the 12 V battery which here in AZ is almost a given at 3 to 4 years, same as ICE. Discount tire rotates and balances them for free, same as ICE.
No snow here. Air conditioner is very good, superior to any ICE I ever drove.
As far as this federal government being anti renewable, anti green, on energy. Their days are numbered. Sure glad they got gas prices down, NOT.
All and all electric was a no brainer for myself. The cost comparison is not even close.
@ElvisCaprice wrote:I can only speak to my experiences.
Paid cash for my electric car, Chevy Bolt. Price with subsidies was less than I could pay for a new ICE vehicle.
With liability only, my insurance is no different than my previous older ICE vehicle.
My electric costs are currently 1/9th of my fuel cost if driving my old ICE vehicle. Registration no different than an ICE.
There is very little mainenance on electric if handled well. You rarely use the brakes with one pedal. No oil. Coming up on replacing the 12 V battery which here in AZ is almost a given at 3 to 4 years, same as ICE. Discount tire rotates and balances them for free, same as ICE.
No snow here. Air conditioner is very good, superior to any ICE I ever drove.
As far as this federal government being anti renewable, anti green, on energy. Their days are numbered. Sure glad they got gas prices down, NOT.
All and all electric was a no brainer for myself. The cost comparison is not even close.
I'd probably go ahead and get talked into buying one if they can make it charge during the winter reliably and if the Shell or other gas stations had more electric chargers. The ones where I live don't have any.
So really you can charge it at the hospital or a casino, and that's pretty much it for this town.
A couple years ago I was at Chevy for an oil change coupon (back when they were about the same price as Walmart if you had a coupon that day), and they said they had one Chevy EV and they were using it as a shop loaner. they said they could give me a "really good deal on it" because nobody had expressed interest in it.
I really do wish something would be done about the charging stations.
Anyway, Sam's, so I don't know how much I'll be using the gas pumps. They are like 19 cents cheaper on the sign, but if you know how to work gas station loyalty programs, there's no reason to wait in line for gas pumps at Sam's. I think people are getting truly desperate to save any amount they think they can. 
If the only hassle is to go out of my way to coupon book this and hit them with a gas credit card, that's cool. That's not going to take as long to line up as waiting behind 5 cars for a gas pump that's going to save me $2-3 when I get up there.
