What the Good Sam Rewards Visa offers
The Good Sam Rewards Visa is a co-branded credit card issued by Connexus Credit Union in partnership with Good Sam Enterprises, a membership organization for RV owners and outdoor enthusiasts. The card earns cashback rewards on purchases, with higher rates at Good Sam-affiliated merchants like Camping World and Good Sam RV parks. It also includes travel protections and roadside information benefits tied to your Good Sam membership.
The card itself carries no annual fee, which means you can hold it without paying to keep the account open. The rewards structure is straightforward: you earn a set percentage back on purchases in certain categories, and a lower flat rate on everything else. The exact rates depend on which version of the card you hold, as Good Sam offers multiple tiers.
Key Takeaways
- The Good Sam Rewards Visa earns higher cashback rates at Camping World, Good Sam RV parks, and affiliated merchants, with lower rates on all other purchases.
- There is no annual fee to hold the card, and rewards do not expire as long as your account remains open and in good standing.
- The card includes roadside information, travel protections, and emergency services access through your Good Sam membership.
- You must be a Good Sam member to open the card, and membership itself carries an annual fee separate from the card.
Cashback rates and where you earn the most
The Good Sam Rewards Visa earns the highest cashback rate at Camping World locations and Good Sam-affiliated RV parks and campgrounds. This is the main draw of the card if you spend regularly at those merchants. The exact percentage varies by card tier, but typically ranges from 3% to 5% at these partners.
On all other purchases—groceries, gas, restaurants, online shopping—you earn a lower flat rate, usually 1% to 2% depending on your card version. This means the card works best if a meaningful portion of your spending happens at Good Sam partners. If you rarely use Camping World or Good Sam parks, the rewards structure may not justify the membership cost.
Rewards are deposited as statement credits and do not expire as long as your account is active. You cannot transfer them to another person or convert them to cash, but you can use them to offset your monthly bill.
Membership requirements and costs
You cannot open a Good Sam Rewards Visa without being a Good Sam member first. Good Sam membership is a separate purchase from the credit card and carries its own annual fee. The membership includes roadside information, discounts at Camping World and partner RV parks, and access to Good Sam's travel planning tools.
The membership fee varies depending on which membership tier you choose. Good Sam offers a basic membership level and higher tiers with expanded benefits. You will need to budget for both the membership and any other costs associated with your RV lifestyle when deciding whether the card makes financial sense for you.
Travel and roadside information benefits
The Good Sam Rewards Visa includes roadside information as part of your Good Sam membership. This covers towing, lockout service, fuel delivery, and other emergency roadside help if your RV breaks down. The coverage extends to your RV itself, not just your vehicle, which is a meaningful difference from standard credit card roadside benefits.
The card also includes travel protections such as trip cancellation coverage, lost luggage reimbursement, and emergency medical and dental coverage while traveling. These protections are secondary, meaning your primary insurance (health insurance, homeowners insurance) pays first, and the card covers what your primary insurance does not. The exact coverage limits and exclusions are detailed in your cardholder agreement.
Annual percentage rate and interest charges
Like all credit cards, the Good Sam Rewards Visa charges interest on balances you carry from month to month. The annual percentage rate (APR) you receive depends on your credit history and creditworthiness at the time you open the account. Connexus Credit Union, the card issuer, sets rates within a range, and your personal rate will fall somewhere in that range based on your credit score and payment history.
If you pay your full statement balance by the due date each month, you pay no interest. Interest only applies to balances you carry over. The card offers no 0% introductory APR period, so interest accrues from the first day of the billing cycle if you do not pay in full.
Fees beyond the annual membership
The credit card itself has no annual fee. However, you will pay fees for certain actions: foreign transaction fees if you use the card outside the United States, late payment fees if your payment arrives after the due date, and returned payment fees if a check or electronic payment bounces. Cash advances also carry a fee and a higher APR than regular purchases.
The Good Sam membership fee is separate from any card fees and renews each year. Some Good Sam members bundle the membership with other services (such as travel insurance or extended roadside coverage), which may add to the total cost. Review your membership renewal notice each year to see what you are being charged for.
Who this card makes sense for
The Good Sam Rewards Visa works best for people who already own or plan to own an RV and spend regularly at Camping World or Good Sam-affiliated parks. If you camp frequently and use these merchants, the higher cashback rates can offset the membership cost over time. The roadside information benefit is also valuable if you travel in your RV and want coverage specific to RV breakdowns rather than just vehicle roadside help.
The card is less useful if you camp occasionally, use different RV parks, or do most of your RV supply shopping elsewhere. In that case, the membership fee and lower rewards on non-partner purchases may outweigh the benefits. A general-purpose cashback card with no annual fee might serve you better.
Frequently Asked Questions
Can I use the Good Sam Rewards Visa if I am not a Good Sam member?
No. You must be a Good Sam member to open the card. If you are not currently a member, you will need to join Good Sam first, which involves paying the annual membership fee. You can then explore for the credit card through Good Sam or Connexus Credit Union.
Do the rewards expire if I do not use them?
Rewards do not expire as long as your account remains open and in good standing. However, if you close the account or let it become inactive for an extended period, the issuer may close it and forfeit any unused rewards. Keep the account active by using it occasionally.
What happens to my rewards if I cancel the card?
Any unused rewards are typically forfeited when you close the account. If you have accumulated rewards you want to use, explore them as a statement credit before you cancel. Check your cardholder agreement for the exact policy on your card version.
Is the roadside information the same as my auto insurance roadside benefit?
No. The Good Sam roadside information covers your RV specifically and is included with your membership. Your auto insurance may have a separate roadside benefit for your vehicle. You can use both if you need help with different vehicles, but they are separate services with different coverage limits.
Can I earn rewards on Good Sam membership renewal payments?
Membership fees and renewals typically do not earn rewards. Only purchases of goods and services at may be able to access merchants earn cashback. Check your cardholder agreement or contact Connexus Credit Union to confirm what transaction types are excluded from rewards.