The Sam’s Club credit card is made for members who want to earn cash back while shopping. It offers exclusive rewards, flexible use, and no annual fee.
You can apply online in minutes and start earning rewards at Sam’s Club, Walmart, and Mastercard locations. This guide explains benefits, eligibility, and interest rates in detail.
Understanding the Sam’s Club Credit Card
Get familiar with how the Sam’s Club Credit Card works before you apply. It helps you understand its features, benefits, and the value of its membership.
Overview and Benefits
Sam’s Club offers two cards: the Sam’s Club Credit Card and Sam’s Club Mastercard. Both are issued by Synchrony Bank and function as your membership card.
The Mastercard can be used anywhere Mastercard is accepted. Each card lets you earn Sam’s Cash and make payments easily online.
Main Advantages
There are no annual fees, combining convenience with value. You can shop at Sam’s Club and Walmart stores nationwide.
Mastercard extends usage globally for greater flexibility. Earned rewards go directly to your Sam’s Cash balance for in-store or online redemption.
Cashback Rewards Explained
Learn how Sam’s Club credit cards turn purchases into cash rewards. Below shows how you can earn maximum cashback.
How Rewards Work?
Members earn cashback depending on their membership type and purchase category. Below is a clear outline of how rewards are distributed:
- Plus members earn up to 5% back on qualifying Sam’s Club purchases.
- Regular members receive 1% back on eligible everyday purchases.
- All rewards are automatically stored as Sam’s Cash and added to your balance monthly.
Consistent usage ensures steady accumulation and easy redemption.
Reward Categories
You can earn:
- 5% back on gas (first $6,000 annually, then 1%).
- 3% back on dining and takeout.
- 1% back on all other purchases.
These rates apply to the Sam’s Club Mastercard. Plus members earn an additional 2%, reaching 5% total on eligible purchases. Redeem rewards online or during checkout.
Eligibility and Requirements
Know what’s needed before applying for your Sam’s Club Credit Card. The following details help you confirm eligibility.
Who Can Apply?
Before applying, it’s important to know who qualifies for the card. Here’s a simple breakdown of the basic requirements:
- You must be 18 years or older with an active Sam’s Club membership.
- Provide valid identification, income proof, and a U.S. residential address.
- A good credit score improves your approval odds.
- Synchrony Bank reviews every application individually to determine eligibility.
Membership Requirement
A valid Sam’s Club membership is necessary to earn or redeem Sam’s Cash. Expired memberships lose reward access. Keep your membership active to continue receiving benefits.
Application Process
Applying online is straightforward once you know what to prepare. The list below shows the basic process.
- Visit SamsClub.com/Credit to begin your application.
- Select between the Sam’s Club Credit Card or the Sam’s Club Mastercard.
- Click Apply Now and provide personal and financial details.
- Review and accept the terms before submitting your form.
- Approved applicants receive cards within 7–10 business days.
You may also check prequalification without impacting your credit score to see approval likelihood.
Interest Rates and Fees
Knowing the interest rates and charges helps manage your finances wisely. Here’s what to note.
Annual Percentage Rates – APR
The Sam’s Club Credit Card carries a variable APR of 28.65%. The Sam’s Club Mastercard ranges from 20.65% to 28.65%, based on creditworthiness.
Cash advances charge a 25.65%–31.65% APR and a 3% fee or $5 minimum. The minimum interest charge is $2.
No Annual Fee
Both cards have no annual fee, but an active Sam’s Club membership is required. It’s an affordable choice for frequent shoppers. Interest applies if balances aren’t paid in full each month.
Managing Your Account
You can manage your Sam’s Club Credit Card conveniently using digital tools. Here’s how to keep it simple.
Online and Mobile Tools
Access your account on SamsClub.com or the mobile app. View transactions, check balances, and make payments securely.
Track your Sam’s Cash rewards easily in real time. Get notifications to help manage spending and payments.
Redeeming Sam’s Cash
Redeem your Sam’s Cash in-store or online at checkout. Use it to pay for purchases, renew memberships, or offset bills.
Rewards can’t be exchanged for cash or transferred. Redemption remains available to active members.
Business Credit Card Option
The Sam’s Club Business Mastercard offers benefits designed for entrepreneurs. Below explains how it supports business spending.
Sam’s Club Business Mastercard
Business owners can enjoy extra perks using the Business Mastercard. Earn a $60 statement credit with your first $30 in purchases.
The structure mirrors the personal card, giving consistent rewards. It’s ideal for bulk buying and regular business expenses.
Flexible Use and Benefits
This card features no annual fee, 5% gas cashback, and 3% dining cashback. Accepted anywhere Mastercard works, it simplifies business tracking. Owners can separate personal and company expenses for clarity.
Reward Limitations
Understand the reward restrictions before use to avoid surprises. The details below clarify key limits and exclusions.
Reward Restrictions
Sam’s Cash can’t be earned from cash advances, gift cards, or non-eligible items. The yearly maximum is $5,000 in rewards. Accounts in delinquency or expired memberships forfeit earned points.
Terms and Conditions
Program rules govern all benefits and may change over time. Sam’s Cash is credited after each qualifying purchase. Always review updated information on SamsClub.com/Credit before using your card.
Customer Service and Support
Reliable customer service ensures help whenever you need it. Contact details are below.
Contact Information
If you need help, contact Sam’s Club Credit Services directly. Call 1-866-220-0254, send mail to P.O. Box 965006, Orlando, FL 32896-5006, or visit SamsClub.com/Credit.
Each channel offers support for billing or reward inquiries. They also handle account activation and replacement requests.
Customer Assistance
Support covers billing issues, payment help, and reward tracking. Access the online portal for real-time assistance.
For lost or stolen cards, report them immediately to security. Quick reporting ensures prompt replacement.
Final Thoughts: Why the Sam’s Club Credit Card Is Worth Considering?
The Sam’s Club Credit Card suits members who want easy cashback rewards and convenience. It’s cost-effective, simple to manage, and offers valuable benefits.
Apply online quickly to start saving more. Keep your account in good standing and maximize your membership perks.
Disclaimer: Terms, conditions, and rates may change without notice. Always verify updated details with Sam’s Club Credit Services or Synchrony Bank before applying or using the card.
