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The average American carries four credit cards in their wallet or purse. You likely have some you use for purchasing fuel or at your favorite store.
However, unless you want to destroy your credit, you must carefully choose which cards you use regularly. So is the Good Sam credit card worth it?
Today, we’ll take a look at this credit card and see whether you should be carrying the Good Sam credit card. Let’s get started!
About Good Sam
Good Sam is a famous RV club many RVers join for its benefits. You’ll get discounts on camping and fuel and special pricing at places like Overton’s, Gander RV & Outdoors, and Camping World.
A membership might make sense if you regularly spend money at these locations.
Members enjoy using the online trip planner, RV show discounts, and additional discounts on some of the premium services Good Sam offers, like roadside assistance.
Some users find their membership very useful, while others may not use their membership as much as they like. Do some research before forking over your money for a membership.
About the Good Sam Rewards Credit Card
If you’re looking to maximize your Good Sam rewards and spend money on getting outdoors, you’ll want the Good Sam Rewards Credit Card.
This Visa credit card comes with no annual fee, and the regular purchase APR is either 15.49%, 21.49%, or 26.49%, depending on your creditworthiness and the Prime Rate.
Overall, the Good Sam Rewards Credit Card is decent. Is it excellent? No. However, because there’s no annual fee, you don’t have to worry about how much you’ll need to travel to make this card worth it.
Let’s take a closer look at the pros and cons of the Good Sam Credit Card.
Pros of the Good Sam Credit Card
One of the benefits of the Good Sam Credit Card is that you get an instant 2,000 bonus points by making your first purchase. It doesn’t matter what you buy or how much it costs.
You’ll instantly receive 2,000 points. After your initial investment, you’ll enjoy 90 days of double points, or until you spend $1,000.
Once your 90 days of double points are up, you’ll get 5x points for every $1 you spend at Good Sam, Camping World, and Gander Outdoor. If that’s not enough, you’ll also earn 3x points for every $1 you spend at private campgrounds and gas stations.
Finally, you’ll receive 1x points for every $1 you spend anywhere else. Once you reach 1,500 points, you can cash them in for a $10 gift certificate or save up for a more lucrative reward.
While some rewards cards can have pricy membership fees, the Good Sam Credit Card does not. You don’t have to worry about how often you use it or how much money you spend.
The only thing you need to worry about is that your reward points expire every three years. So make sure you spend them before they expire!
Cons of the Good Sam Credit Card
While there are many things to love about the Good Sam Credit Card, it’s not perfect. For starters, you must enroll in the Good Sam Rewards Program.
Some users don’t like the value of the points and how much they favor using them toward booking travel through the Good Sam network. If you’re familiar with rewards programs, this should be no surprise.
The interest rates for this card are relatively high. If you don’t have stellar credit, you’ll likely be easily looking at an APR over 20%.
If you’re the type to carry a balance on a card, this can result in a massive monthly hit in interest. You don’t want to send your hard-earned money to a credit card company monthly.
Pro Tip: Before you sign up for the Good Sam Rewards Program, read the Top 5 Regrets of Buying a Good Sam Membership!
Redeeming Your Card Points
To redeem your Good Sam Credit Card points, you’ll need to log in to your account.
Once in your account, you can choose items like cash back on your account toward a Good Sam membership, or you can purchase the restaurant, retail, and gas gift cards.
The cheapest reward is 1,500 points and is a $10 gift card to one of the participating businesses in the program.
Keep in Mind: Break in your new Good Sam Card by purchasing the best Accessories for your RV on Amazon!
Can a Good Sam Card Be Used Anywhere?
Like most reward credit cards, you can use your Good Sam credit card anywhere. Whether you’re making a purchase online or in person, you can use your card anywhere that accepts Visa.
It’s crucial to remember that you’ll get discounted pricing and more points for using your Good Sam credit card when shopping at partner locations like Good Sam, Camping World, Gander Outdoors, and Overton’s.
Where Can You Apply for a Good Sam Credit Card?
If you want to apply for the Good Sam credit card, you can visit their website. All you’ll need to do is input some of your personal information, and within a couple of minutes, the system will check your credit and have an account set up in your name.
Many partner locations will also have in-store kiosks or applications you can fill out to apply for the card while in the store. The cashier may ask if you’re interested in signing up to save a few bucks on your purchase.
Keep in Mind: Did you know Good Sam has a mail service for RVers? Let’s see if this is the best RV mail service!
The Good Sam Credit Card Is Worth It for Frequent Campers
The Good Sam Credit Card is worth it if you’re frequently camping. You can use the rewards toward your camping reservations to help you save money on expensive camping fees.
It may not magically open those hard-to-get campsites for you, but you’ll enjoy saving money on reservations.
Will you apply for a Good Sam credit card?