The Sam’s Club Credit Card offers a convenient way to earn rewards while shopping for everyday essentials.
With options for in-store and Mastercard use, it helps members maximize savings on fuel, travel, and more.
This guide explains how to apply for and take full advantage of the card’s benefits.
Types of Sam’s Club Credit Cards
Sam’s Club offers two primary credit card options, each tailored to meet different spending needs and usage preferences.
Sam’s Club Store Card
- Can be used only at Sam’s Club and Walmart stores.
- Doubles as your Sam’s Club membership card.
- No cashback rewards beyond membership benefits.
Sam’s Club Mastercard
- Usable anywhere Mastercard is accepted.
- Offers rewards: 5% back on gas (up to $6,000/year), 3% on dining and travel, 1% on all other purchases.
- Plus members earn an additional 2% Sam’s Cash on in-club purchases, for up to 5% total.
Interest Rates & Fees
Sam’s Club credit cards carry a range of interest rates and fees, so it’s important to know what you may owe beyond rewards.
APR for Purchases
- Depending on your credit, the Sam’s Club Mastercard has a variable APR of 20.90% or 28.90%, tied to the market prime rate.
- The Store Card’s APR is prime + 19.65%, typically around 22.90%.
Cash Advance APR
- Mastercard: 25.90% or 31.90%, no promotional offers.
- Both card types charge cash advance APR from the day of the transaction; there’s no grace period.
Cash Advance Fee
- 3% fee per transaction (minimum $5).
Minimum Interest Charge
- If interest is charged, the minimum is $2.
Late Payment Fee
- Up to $40 may be assessed per incident.
Returned Payment Fee
- Up to $40–$41, depending on the account.
Foreign Transaction Fee
- $0 – no foreign transaction fees on Mastercard.
Balance Transfer Fee
- Not available; balance transfers aren't allowed
Rewards and Cash‑Back Structure
Earn rewards on gas, dining, and everyday shopping with Sam’s Club credit cards—both in and out of the club.
- 5% back on gas & EV charging: Get 5% Sam’s Cash on the first $6,000 spent yearly—then 1% after.
- 3% back on dining & takeout: Earn 3% back on restaurants, delivery, and takeout with Mastercard.
- 3% back on Sam’s Club purchases (Plus members): Plus members get 3% back; Club members get 1%.
- 2% back from Plus membership: Plus members earn 2% more in Sam’s Club, up to $500 yearly.
- 1% back on other purchases: All other eligible purchases outside the bonus categories earn 1% Sam’s Cash.
- $5,000 annual cap on Sam’s Cash: Total rewards earned from the credit card are limited to $5,000 per calendar year.
Eligibility & Requirements
To qualify, you must meet certain requirements related to membership status, credit history, and personal identification.
- Active Sam’s Club membership: Must be a Club ($50) or Plus ($110) member.
- U.S. residency and age requirement: You must be 18+ with a valid Social Security number and U.S. address.
- Good to excellent credit score: A credit score of 700+ improves approval chances; most approved users have scores in the high 600s or above 700.
- Sufficient income: You’ll need a steady income source and may be required to provide documentation.
- Synchrony Bank approval: The Card is issued by Synchrony Bank upon meeting their underwriting standards.
Step‑by‑Step Application Process
The application process is quick and can be done online or in-store. Follow these steps to complete your application smoothly.
- Join Sam’s Club or log in: You must be a member; sign in to your account through the official Sam’s Club website.
- Go to the credit card section: Navigate to the Sam’s Club Credit Card page to begin the application.
- Choose your card type: Select between the Sam’s Club Store Card or the Mastercard version.
- Fill out the application: Enter your details, income, and Social Security number.
- Review and submit: Check your information carefully before submitting the form.
- Wait for approval: Many applicants receive instant decisions; others may wait 7–10 business days.
Managing Your Card & Optimizing Rewards
Once approved, using your Sam’s Club credit card wisely ensures you get the most out of every purchase.
These tips will help you track rewards, avoid fees, and maximize benefits.
- Use the Sam’s Club app: Monitor your account activity, payment due dates, and Sam’s Cash earnings directly from the mobile app.
- Redeem Sam’s Cash smartly: Apply rewards toward in-club or online purchases, membership renewal, or cash at participating registers.
- Pay your balance in full: Avoid interest by clearing your full statement balance each month—this keeps your savings intact.
- Set up alerts and auto-pay: Enable notifications and schedule payments to stay on top of due dates and avoid late fees.
- Track your spending by category: Focus on purchases in high-earning categories, such as gas, dining, and travel, to boost rewards.
- Upgrade to Plus membership: Maximize cashback by combining credit card rewards with the extra 2% from a Sam’s Club Plus plan.
Seasonal & Promotional Offers
Sam’s Club credit cardholders can take advantage of limited-time deals throughout the year. These offers can boost your savings when used strategically.
- Sign-up bonuses: Get a statement credit or gift card after your first qualifying purchase.
- Holiday cashback boosts: Earn higher rewards on select items during peak shopping seasons.
- Limited-time financing: Enjoy no-interest offers on big purchases during special events.
- Exclusive member events: Access early sales and cardholder-only promotions year-round.
- Email and app alerts: Receive notifications about promotions through your account or app settings.
- Partner discounts: Earn extra rewards or savings through limited partner deals.
Customer Support and Contact Info
If you ever need help with your Sam’s Club credit card, there are several reliable ways to contact support for assistance.
- General Credit Card Support: Call 1‑800‑964‑1917 for help with account questions and payments.
- Mastercard-Specific Support: Use 1‑866‑220‑0254 for issues relating to the Sam’s Club Mastercard.
- Overdue Account Assistance: Call 1‑800‑568‑0162, available Mon–Fri 8 a.m.–12 a.m. EST and Sat–Sun 8 a.m.–6:30 p.m. EST.
- Automated Renewal Lines: Call 1-866-419-5002 to renew your membership automatically.
- Mailing Address: You can send correspondence to the address listed on your billing statement or follow the instructions provided via support call.
- In-Club Assistance: Visit your local Sam’s Club and speak with a Customer Service or Membership desk associate for help.
To Wrap Up
The Sam’s Club Credit Card is a practical tool for earning rewards on everyday spending, especially for frequent shoppers and Plus members.
With no annual card fee and generous cashback categories, it adds real value to your membership.
Apply today to start saving more on every purchase you make.
Disclaimer
Information in this article is for general guidance and may not reflect the most recent terms or offers.
Please review the official Sam’s Club and Synchrony Bank websites for the most up-to-date credit card details and conditions.
