Is a Sam's Club Plus Membership Still Worth the Cost? Here's the Math

Sam’s Club offers an upgraded membership level called Plus. But with a fee of $110 per year, it’s like you’re paying for two regular Sam’s Club memberships instead of one. That got me thinking — do the added perks of Plus really make it worth the extra $60?

Especially since Sam's Club made a few major changes to the Plus benefits on Aug. 19, 2024.

Now, Plus members will only get free shipping on qualifying orders of $50 or more. For shipping orders under $50, it'll be an $8 flat fee. So the "free shipping on most online items" perk is no longer a major selling point of Plus membership.

So how do you decide if Sam’s Club Plus membership is worth it since you can’t get a free trial before you shell out the money to upgrade?

Rather than sell you on all the membership benefits you get at the Plus level, let me show you the math on the potential savings. And if the math doesn’t add up for your spending levels, you can feel justified in your decision to stick with the cheaper of the two Sam’s Club membership types.

For more smart shopping tips and savings hacks, download the KCL app or text HACKS to 57299.

How to Make Sam's Club Plus Worth It

Here's the hard truth: If you don’t make full use of all the Plus member benefits up for grabs, it might not be worth the $60 membership cost to upgrade to Plus. But for many people, the savings more than make up for the cost to upgrade.

Pro Tip: Don’t confuse a Sam’s Club Plus membership with a Walmart Plus membership, even though Walmart and Sam's Club are related. Walmart Plus is an entirely separate membership, with a separate fee. However, a Walmart Plus account does get you access to Sam’s Club gas prices at their pumps.

Earn 2% back in Sam's Cash.

This is probably the most widely known benefit of Plus membership — and also the easiest way to figure out if a Plus membership is worth it.

Consider how much you spend per year at Sam’s Club. If 2% of your yearly spend at Sam’s Club is at least $60, then Plus membership will be worth it. That’s because you’ll cover the cost to upgrade with your Sam’s Cash earnings.

"I have the Plus membership and I save the cash back to pay for my yearly membership." - Holly W., KCL reader

You can use your Sam’s Cash earnings to make purchases, renew your membership, or get paid in cash at the membership desk.

Save $4 per curbside order under $50 (with no order minimums).

With Plus, you always get free curbside pickup for orders of any size. Without a Plus membership, you'd pay a $4 fee per order under $50.

Basically, Plus membership is your ticket to getting free curbside pickup for smaller orders that are under the $50 threshold.

So if you place at least 15 pickup orders a year where your order total is less than $50, upgrading to Plus will be worth it based on what you'll save in fees.

Save up to $12 per same-day delivery order with Plus.

For Sam's Club same-day delivery orders, Club members pay a $12 delivery fee per order. But Plus members get free same-day delivery, as long as the order totals $50 or more. For orders under $50 with Plus, you'll pay a $8 fee per order (still cheaper with Plus).

KCL TIP: Make sure your address is eligible for same-day delivery from Sam's before you upgrade to Plus. Only select addresses within 15 miles of a Sam's Club store are currently eligible.

Get free shipping on most orders over $50.

If you don't live near a Sam's Club, the free shipping perk of Plus membership could be a huge factor for you to consider. As of Aug. 19, 2024, Plus members get free shipping on most orders over $50 (there are a few exceptions for heavy or oversized items).

For orders under $50 with Plus, it's a $8 flat-fee per shipping order.

To see how much this perk could save, I put these three items in my cart:

• Hydroflask, 24 oz, $27.98

• Member's Mark Super Premium Paper Towels, $19.98

• H2OGo! Bounce Blast Kids Inflatable Water Park, $399.98

Without Plus, I'd pay a $28.15 shipping fee for that order. With Plus, my order would ship for free.

So if you're going to rely on Sam's Club shipping to get your goods, upgrading to a Plus membership could save you on shipping fees, which can really add up when you're adding multiple items to your cart.

Maximize your Sam's Cash with a Sam's Club Mastercard.

If you have the Plus membership AND the Sam’s Club Mastercard, you’ll earn Sam’s Cash at a slightly faster rate than normal. So instead of earning 2% at the Plus level, you’ll get 3% back with Plus when you pay with the Mastercard.

That means you’d only need to spend $2,000 per year (or $167/month) to make a Plus membership worth it if you’re using your Mastercard at the club.

And purchases you make outside of the club will earn you Sam’s Cash, too. You’ll get 5% back on gas (up to the first $6,000 per year, then 1%), 3% on dining, and 1% on everything else.

"We have the Plus membership and credit card. We put all of our gas on the credit card, restaurants, and travel. We get about $100 a month in rewards back. Just make sure you pay the bill on time and in full." - Sharon H., KCL reader

Score free prescriptions for 10 generic medicines.

With Plus, you’ll get 10 popular generic medications for free — saving you $4 per prescription if you happen to need any of the meds on the freebie list below. And more than 600 prescriptions cost $10 or less with Plus.

Here are the scripts you can get for free with a Plus membership:

Save up to 40% with Plus optical discounts.

If you buy multiple pairs of prescription sunglasses or eyeglasses in-store at Sam’s Club, you’ll save 40% on each additional pair with a Plus membership. Even if you were to buy two of the cheapest pairs — like two of the $59 London Fog frames — that’s a savings of $23.60. And if you buy more expensive pairs like these $199 Carrera frames, you’d save at least $79.60.

You’ll also get free shipping on contact lenses, which saves you $6.95 per order under $45. (Contact lenses always ship free from Sam's for orders over $45.)

Add more members for just $45 each.

Unlike Costco, where you only get one free additional card for another person in your household, the Sam’s Plus membership lets you add up to 16 additional people.

Each add-on member costs $45, which is $5 cheaper than it would be if they joined on their own. Just keep in mind that free shipping isn't always offered to add-on members.

So ... is Sam's Club Plus worth it?

If you shop at Sam’s Club often enough to earn extra cash back, the extra cost pays for itself — and then some.

You can also factor in the intangible benefit of early shopping hours (and early curbside pickup hours) that help you avoid the crowds and get first dibs at doorbuster sales. Store hours may vary by location, but at my nearest Sam's Club, Plus members can shop two hours earlier than everyone else on weekdays, and one hour earlier on Saturdays.

And that's in addition to the tangible perks of free curbside pickup (up to $4 savings per order), discounted same-day delivery ($4 savings per order under $50), 2% cash back, and discounts at the Optical department and Pharmacy.

Here’s a summary of how much you’d need to spend to cover the cost of an upgraded membership:

• Spend $250 a month at Sam’s Club and you’ll earn $60 in cash back rewards after 12 months.

• Place at least 15 curbside pickup orders under $50 a year and you’ll save $60 in fees.

• Place at least 15 same-day delivery orders under $50 a year and you’ll save $60 in fees.

But if you’re just a once-in-a-while Sam’s shopper, then the entry-level membership should suffice.