The Good Sam Rewards Credit Card is a pretty good credit card for RV and camping enthusiasts with good credit (700+ credit score recommended). The card is worth considering given its $0 annual fee and the bonus rewards it gives you at gas stations, private campgrounds, and the Good Sam family of brands. You can get a decent initial bonus, too.

The downsides of this offer include points that can be worth less than 1 cent each and a high APR. With most rewards cards, 1,500 points are worth $15. With the Good Sam Rewards Credit Card, they’re worth just $10 when you redeem them for a statement credit. The bonus categories still provide a decent return, though, thanks to the high earning rates. You can also avoid interest charges by paying your bill in full every month. 

6 Key Things to Know About the Good Sam Rewards Credit Card

2,500 points as an initial bonus

This is a relatively small bonus, but you don’t need to spend as much to get it as you would with the biggest sign-up bonuses on the market. 
 

Bonus rewards at gas stations, private campgrounds & Good Sam brands

This Good Sam credit card rewards you with 5 points per $1 spent on purchases at the family of brands, 3 points per $1 spent at gas station and private campground and 1 point per $1 spent on all other purchases. The minimum rate returns below-average value, but the bonus rates are solid. 

The Good Sam family of brands includes Good Sam, Camping World, Overton’s and The House. 
 

Low point value

Good Sam points are worth about 0.67 cents per point when you redeem for a statement credit. In other words, 15,000 points will get you about $100. With the average credit card, you’d get $150 back in return for 15,000 points. 

Fortunately, there is another option that provides more value. If you redeem your points toward purchases at Good Sam or affiliated retailers, you get 1 cent per 1 point. This makes the card better suited for people who regularly make purchases from the Good Sam family of brands. 
 

$0 annual fee

Since the Good Sam Rewards Credit Card doesn’t cost anything to own, you don’t have to spend a certain amount just to earn enough rewards to break even. You may be able to afford to keep your account open for longer, too. 

Plus, this Good Sam card’s $0 annual fee makes it $23.75 per year cheaper than the average credit card offer, according to our research. 
 

High APR

Carrying a balance from month to month with this Good Sam credit card is a bad idea. Your APR is guaranteed to be pretty high, and it could end up being extremely high depending on your overall creditworthiness when you apply. 

The good news is you can avoid interest charges by paying your bill in full by the due date each month. You may also be able to take advantage of special financing offers, but make sure they don’t include deferred interest. 
 

Low user rating

The Good Sam Rewards Credit Card has an average user rating of 1.4 / 5 on WalletHub, with a very high percentage of one-star reviews. Reviews mention poor customer service and billing issues, so make sure to check them out before you apply.