Everything You Need to Know About the Good Sam Credit Card: Benefits & Features

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 5% cash back on travel purchased through Chase Ultimate Rewards®
• 3% cash back on dining and drugstores
• 1.5% cash back on all other purchases, including Good Sam-related expenses

Key Benefits:

• No Annual Fee: Maximizes net rewards without any yearly cost.
• Cash Back Rewards: Competitive flat-rate rewards across various categories.
• Flexible Redemption Options: Redeem cash back as statement credits, direct deposits, gift cards, or travel.
• Purchase Protection: Covers eligible purchases against damage or theft for up to 120 days.
• Extended Warranty: Extends the manufacturer’s warranty by an additional year on eligible items.
• Zero Liability Protection: Protects you from unauthorized purchases.

Advantages:

• Versatile Rewards Structure: Suitable for everyday spending across multiple categories, including travel and dining.
• Attractive Welcome Offer: Quickly earn a significant bonus with minimal spending.
• No Foreign Transaction Fees: Ideal for international purchases and travel.

Limitations:

• Lower Cash Back on General Purchases: Only 1.5% on non-bonus categories compared to some flat-rate cards.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 3% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
• 2% cash back at U.S. gas stations and select U.S. department stores
• 1% cash back on other purchases, including Good Sam-related expenses

Key Benefits:

• No Annual Fee: Ideal for earning rewards without an annual cost.
• High Cash Back on Groceries and Gas: Aligns well with everyday spending needs, such as fuel and camping supplies.
• Additional Perks: Purchase Protection, Extended Warranty, Return Protection, and No Foreign Transaction Fees.
• Access to Amex Offers: Personalized deals and discounts for cardholders.

Advantages:

• Competitive Cash Back Rates: Especially on groceries and gas, which are common everyday expenses for Good Sam members.
• Comprehensive Benefits Package: Offers valuable protections and no foreign transaction fees.

Limitations:

• Spending Caps: Higher cash back rates have annual limits.
• No Exclusive Perks: General rewards without specific benefits for particular memberships or stores.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 1.5% cash back on every purchase, including Good Sam-related expenses
• Additional 5% on all purchases in the first 3 months (if eligible)

Key Benefits:

• No Annual Fee: Keeps your costs low while earning rewards.
• Simple Rewards Structure: Flat-rate cash back makes it easy to maximize rewards without tracking categories.
• Flexible Redemption: Redeem cash back as statement credits, gift cards, or direct deposits.
• No Foreign Transaction Fees: Great for international use.
• Extended Warranty and Travel Accident Insurance: Provides added protection for your purchases and travel plans.
• Access to Capital One Offers: Exclusive deals and discounts for cardholders.

Advantages:

• Simplicity: Easy-to-understand rewards without category restrictions.
• High Introductory Bonus: Quickly earn significant cash back with the welcome offer.
• Versatile Redemption Options: Multiple ways to use your cash back.

Limitations:

• Flat Cash Back Rate: Lower rewards compared to category-specific cards like the Chase Freedom Unlimited®.
• No Enhanced Rewards for Specific Categories: Same 1.5% cash back applies to all purchases.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 6% cash back at U.S. supermarkets (up to $6,000 per year, then 1%)
• 6% on select U.S. streaming subscriptions
• 3% cash back at U.S. gas stations and on transit
• 1% cash back on other purchases, including Good Sam-related expenses

Key Benefits:

• High Cash Back Rates: Significant rewards on groceries, streaming, gas, and transit.
• Additional Perks: Purchase Protection, Extended Warranty, Return Protection, and No Foreign Transaction Fees.
• Flexible Redemption: Redeem cash back for statement credits, gift cards, or shopping.
• Access to Amex Offers: Personalized deals and discounts for cardholders.

Advantages:

• Generous Rewards Structure: Especially beneficial for heavy grocery shoppers and those who spend on streaming and transit.
• Comprehensive Benefits: Enhanced protections and no foreign transaction fees add value beyond rewards.

Limitations:

• Annual Fee: $95 fee may offset some rewards if not fully utilized.
• No Exclusive Perks: Similar to other general rewards cards without specific benefits for particular memberships or stores.

Annual Fee: annual_fees

APR:

• Purchase APR: reg_apr,reg_apr_type
• Balance Transfer APR: balance_transfer_rate

Welcome Offer: bonus_miles_full

Rewards:

• 3% cash back on dining and entertainment
• 2% cash back at grocery stores
• 1% cash back on all other purchases, including Good Sam-related expenses

Key Benefits:

• No Annual Fee: Earn rewards without any yearly cost.
• Cash Back Categories: High rewards on dining, entertainment, and groceries.
• Additional Perks: Purchase Protection, Extended Warranty, Travel Accident Insurance, and No Foreign Transaction Fees.
• Flexible Redemption: Options to redeem cash back as statement credits, gift cards, or direct deposits.
• Access to Capital One Offers: Exclusive deals and discounts for cardholders.

Advantages:

• Enhanced Rewards on Dining and Entertainment: Ideal for those who frequently dine out or engage in entertainment activities.
• Comprehensive Benefits Package: Offers valuable protections and no foreign transaction fees.

Limitations:

• Lower Cash Back on General Purchases: Only 1% on non-category purchases.
• No Exclusive Perks: General rewards without specific benefits for particular memberships or stores.

Chase Freedom Unlimited® – Why: Offers a mix of high rewards on travel, dining, and a solid flat rate on all other purchases. Ideal for diverse spending habits, including those related to Good Sam activities like travel and dining.

Blue Cash Preferred® Card from American Express – Why: Provides 6% cash back at U.S. supermarkets and 3% on gas, making it excellent for households with significant grocery and fuel expenses often associated with Good Sam membership.

Capital One Quicksilver Cash Rewards Credit Card – Why: Flat-rate 1.5% cash back on all purchases simplifies earning rewards without tracking categories, suitable for consistent Good Sam-related spending.

Capital One SavorOne Cash Rewards Credit Card – Why: Enhanced 3% cash back on dining and entertainment, perfect for Good Sam members who frequently dine out or enjoy entertainment activities during their travels.

Blue Cash Everyday® Card from American Express – Why: Offers 3% cash back at U.S. supermarkets without an annual fee, balancing rewards and cost effectively for Good Sam members who spend heavily on groceries.

Chase Freedom Unlimited® for its versatile rewards and attractive welcome offer, benefiting a wide range of Good Sam-related expenses.

Blue Cash Preferred® Card from American Express for higher cash back on groceries and gas, aligning well with typical Good Sam expenses.

Consider pairing with a specialized card like the Good Sam Credit Card (if available) to maximize rewards specifically related to your Good Sam membership alongside another versatile cashback card.

Use each card where it earns the highest cash back. For example, use the Blue Cash Preferred® Card from American Express for groceries and gas, Chase Freedom Unlimited® for travel and dining, and Capital One Quicksilver Cash Rewards Credit Card for general purchases.

Meet the minimum spending requirements to earn your welcome bonus, boosting your initial cash back earnings.

Pair a category-specific card with a flat-rate card to cover all spending areas efficiently. For instance, use the Blue Cash Preferred® Card from American Express for groceries and gas, and the Capital One Quicksilver Cash Rewards Credit Card for everything else.

Take advantage of the flexible redemption options to maximize the value of your cash back, whether through statement credits, direct deposits, or gift cards.

The most convenient way to handle your Good Sam Credit Card pay my bill online is through Comenity Bank’s website. After logging in, you can check your balance, review your statements, and make payments without leaving your couch—or camp chair, if you’re out in the wild.

If you prefer to pay by phone, that’s an option too. Just call the customer service number on the back of your card and follow the prompts to make a Good Sam Credit Card payment. Pro tip: Be prepared for potential hold times, especially around billing deadlines!

For those who like doing things the old-fashioned way, you can mail in your payment. Just make sure it arrives on time, or you might end up using that stamp money to pay a late fee instead.

Head over to the Good Sam website or the Comenity Bank website. Fill out the Good Sam Credit Card application, and you could receive an instant decision. They’ll ask for the usual information—name, address, income, etc.—so make sure you have it handy.

If you’re visiting a Camping World or Good Sam store, you can also apply in person. This gives you a chance to ask any questions you might have about the card’s benefits or perks.

It’s generally a good idea to have a decent credit score (in the fair to good range, around 620 or higher) to increase your chances of approval. A higher score might also help you secure a lower interest rate, which is always a good thing.