Ollo Everyday Rewards Mastercard® vs Sam's Club® Mastercard®
Side-by-side comparison
| Ollo Everyday Rewards Mastercard® | Sam's Club® Mastercard® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | None (invitation-based offer) | $30 statement credit |
| Dining | 1x | 3x |
| Groceries | 3x | 1x |
| Gas | 3x | 5x |
| Travel | 1x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $455 | $438 |
| Points type | Cash back only | Cash back only |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Ollo Everyday Rewards Mastercard® | Sam's Club® Mastercard® |
|---|---|---|
| Welcome bonus | None (invitation-based offer) | $30 statement credit |
| To earn it | No minimum spend | $30 same day |
| Est. first-year value* | $455 | $468 |
| Est. ongoing value / yr* | $455 | $438 |
This one splits by time horizon. In year one the Sam's Club® Mastercard® is ahead by roughly $13, thanks largely to its welcome offer. But the Ollo Everyday Rewards Mastercard® earns more every year after, so if you keep it, it overtakes the Sam's Club® Mastercard® after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Sam's Club® Mastercard®. Planning to keep it for years? The Ollo Everyday Rewards Mastercard® pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Ollo Everyday Rewards Mastercard® | Sam's Club® Mastercard® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Ollo Everyday Rewards Mastercard® earns about $455 a year in rewards and the Sam's Club® Mastercard® about $438, valuing every point at a flat 1 cent. The Ollo Everyday Rewards Mastercard® has no annual fee, so its rewards are all profit. The Sam's Club® Mastercard® has no annual fee, so its rewards are all profit. The two are close on value, but the Ollo Everyday Rewards Mastercard® edges ahead by about $17 a year, mostly because it earns more where you spend most, on groceries. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Sam's Club® Mastercard® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Ollo Everyday Rewards Mastercard® if your spending leans toward groceries. Pick the Sam's Club® Mastercard® if your spending leans toward dining, gas.