If you spend weekends at the campground or stock up at Camping World, the Good Sam Rewards Credit Card promises to turn that RV-life spending into points. There are actually two versions, and the difference between them decides how useful the card is in everyday life.
This review covers the rewards rates, the gap between the store card and the Visa version, the APR, the fees, and who the card fits. All figures are as of June 2026. Terms and conditions apply, and APRs vary by creditworthiness.
Key facts at a glance
| Feature | Detail |
|---|---|
| Issuer | Comenity Capital Bank |
| Network | Store card, or Good Sam Rewards Visa Signature |
| Annual fee | $0 |
| Purchase APR | Visa about 21.24% to 34.24% variable; store card about 35.99% |
| Rewards | 5 points at Good Sam and Camping World; 3 points at gas and campgrounds; 1 point elsewhere (Visa) |
| Score needed | Often fair to good (roughly 580 to 739) |
| Reports to bureaus | Experian, Equifax, TransUnion |
Two cards, one name
Good Sam offers a basic store card and a Good Sam Rewards Visa Signature card. Both are issued by Comenity Capital Bank, and if you are weighing a brand card against a network card it helps to understand the comenity vs card distinction.
The store card works at Camping World, Good Sam, Gander Outdoors, and related brands. The Visa version does everything the store card does and can also be used anywhere Visa is accepted. For most people the Visa is the more useful card, because it earns rewards on outside spending too. The basic store card is mainly for shoppers who only want to charge purchases at those specific retailers, similar to other store cards for fair credit.
Rewards rates
The rewards structure is built around the RV and camping lifestyle. On the Visa version, as of June 2026, you can earn:
- 5 points per $1 spent at Good Sam, Camping World, and Gander Outdoors
- 3 points per $1 at private campgrounds and at gas stations
- 1 point per $1 on everything else
Points can be redeemed for cash back as statement credits, Good Sam memberships, and gift cards for gas, restaurants, and retail, among other options. The store-card version earns rewards at the Good Sam family of brands but does not earn on outside spending, since you cannot use it elsewhere.
The higher 5 points rate is genuinely strong if you buy a lot of camping gear, supplies, or services from Camping World and Good Sam. The 3 points on gas and campgrounds is a nice bonus for road trips, and works much like the fuel perks in our shell fuel rewards credit card review. Just remember points are worth the most when you have a clear way to redeem them.
APR and fees
Both versions have no annual fee, which is good news. The interest rates, however, are high, and well above the average credit card interest rate.
As of June 2026, the Good Sam Rewards Visa Signature card carries a variable purchase APR in the range of about 21.24% to 34.24%, based on your creditworthiness and the prime rate. The basic store card runs higher, around 35.99%. There is typically a minimum interest charge in any cycle where interest applies, plus possible late fees.
With rates this high, the rewards only pay off if you avoid interest. Carrying a balance can cost far more than the points are worth, and unmanaged balances are a big reason average credit card debt by age 2026 keeps climbing. Read the Rate and Fee summary on your specific offer for the exact numbers, since they can shift with the prime rate.
If the Good Sam APR feels steep and you would rather have flexible purchasing power without a security deposit, the Aspire® Cash Back Rewards Mastercard is worth a look: it offers up to 3% cash back, works anywhere Mastercard is accepted, and lets you prequalify for a credit line without the lifestyle-specific spending requirements of a store-branded card.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
Who this card may fit
This card fits active RVers and campers who spend regularly at Camping World and Good Sam, take road trips that involve gas and campground fees, and pay their balance in full each month. For that person the 5 points and 3 points rates can add up nicely.
It is a weaker fit if you rarely shop those brands, if you carry a balance, or if you want a simple flat-rate rewards card. In those cases a general cash-back card may give you more value with less effort.
How it affects your credit
The Good Sam Rewards cards report to all three major credit bureaus: Experian, Equifax, and TransUnion. That means responsible use can help build your credit history, while late payments can damage it.
Approval is often within reach for applicants with fair to good credit, roughly in the 580 to 739 range, though Comenity makes its own decisions. As with any card, keep your balance low relative to your limit so a few big camping-season purchases do not spike your utilization.
Honest alternatives if you are building credit
If your main goal is building credit rather than earning camping rewards, a dedicated credit-builder card can be a better fit because the approval barrier is lower and the focus is steady reporting.
The Perpay Credit Card takes a different path. It is paycheck-powered, with no credit check to get started, and uses small deductions from your pay to fund the card. It earns 2% rewards and reports your activity to the bureaus, with members seeing an average credit-score increase of around 30 points. That can suit someone with a steady paycheck who wants progress without a hard pull. Terms and conditions apply, and APRs vary by creditworthiness.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
The Current Build Card is another option built around steady reporting rather than camping perks. It has no annual fee, no credit check to apply, and no minimum deposit, and it reports to all three credit bureaus so your everyday spending can help build history. For someone who wants a simple, low-barrier way to establish credit before chasing a rewards card, it is a sensible starting point. Terms and conditions apply, and APRs vary by creditworthiness.
Current Build Card
Current Build Card
$0 annual fee. No minimum deposit required. No credit check required. 1 point per dollar on eligible categories. Reports to Experian, TransUnion, Equifax.
Fee
$0
APR
0%
Minimum Deposit Amount
$0
Credit Check
No
Cashback
1 point/dollar on eligible categories (with qualifying payroll deposit)
Benefit
No credit check, no deposit minimum
Building your score with one of these first can help you qualify for a stronger rewards card later, with a lower APR than the Good Sam cards typically offer.
The bottom line
The Good Sam Rewards Credit Card, especially the Visa version, can be a solid pick for people who genuinely live the RV and camping lifestyle and pay in full each month. The 5 points and 3 points rates reward the spending you are already doing. The high APR means it is a poor choice for carrying a balance, so treat it as a rewards tool you pay off, not a way to finance a big purchase over time.
Frequently Asked Questions
What is the difference between the Good Sam store card and the Good Sam Rewards Visa?
The store card works only at Camping World, Good Sam, Gander Outdoors, and related brands. The Good Sam Rewards Visa Signature does everything the store card does and can also be used anywhere Visa is accepted, including earning 1 point per $1 on outside purchases.
How many points does the Good Sam Rewards Visa earn?
As of June 2026, the Visa version earns 5 points per $1 at Good Sam, Camping World, and Gander Outdoors, 3 points per $1 at private campgrounds and gas stations, and 1 point per $1 on all other purchases. Points can be redeemed for statement credits, memberships, and gift cards.
What credit score do I need for the Good Sam Rewards Credit Card?
There is no official minimum, but applicants with fair to good credit, roughly in the 580 to 739 range, tend to have reasonable approval odds. Comenity Capital Bank makes the final decision based on your full credit profile.
Does the Good Sam Rewards Credit Card have an annual fee?
No, neither the store card nor the Visa version charges an annual fee. The main cost to watch is the high purchase APR, so paying your balance in full each month is the best way to keep the rewards worthwhile.
