The Sam’s Club Credit Card gives you cash back and extra savings when you shop at the warehouse.
You get rewards on gas, dining, travel, and everyday purchases, making it useful for regular members.
This article explains the card’s benefits, costs, requirements, and how you can apply.
Overview of the Sam’s Club Credit Card
Synchrony Bank issues the Sam’s Club Credit Card, available in two versions: a store-only card and a Mastercard.
You can use the Mastercard anywhere Mastercard is accepted, while the store card works only at Sam’s Club and Walmart.
Both versions give you access to cash back rewards, member discounts, and flexible shopping options.
Cash Back Rates and Rewards Structure
You get cash back on several spending categories when you use the Sam’s Club Credit Card.
These rewards help you save money on everyday purchases. Here are the main rates you should know.
- 5% cash back on gas (up to the annual cap, including at Sam’s Club fuel stations).
- 3% cash back on dining and travel purchases.
- 1% cash back on all other purchases.
- Additional rewards and discounts for Sam’s Club Plus members.
- Redemption available once per year as a Sam’s Club reward certificate.
Exclusive Discounts for Sam’s Club Members
You get extra savings when you use the Sam’s Club Credit Card as a member.
These discounts help you lower your spending on fuel, groceries, and seasonal items. Here are the main benefits you receive.
- Fuel Discounts: You get lower fuel prices at Sam’s Club gas stations, and Plus members often receive bigger savings.
- Member-Only Pricing: Certain in-store items are priced at special rates available only to cardholding members.
- Seasonal Promotions: Sam’s Club runs limited-time deals on electronics, home goods, and bulk items that give you extra value.
- Extra Savings Events: Members receive early access to special shopping events and exclusive markdowns.
- Instant Savings Offers: Selected items get automatic discounts at checkout, and these offers change throughout the year.
Annual Fees, APR, and Other Costs
Understanding the exact fees and rates helps clarify the total cost of using the Sam’s Club Credit Card.
These details outline what members can expect before applying. Here are the specific charges to review.
- Membership Fee: An active Sam’s Club membership is required, starting at $25 per year for Club and $110 per year for Plus.
- APR: The regular purchase APR typically ranges from 20.90% to 29.90% variable, based on creditworthiness.
- Late Fee: A missed payment can trigger a penalty of up to $41.
- Returned Payment Fee: A failed or returned payment may result in a fee of up to $30.
- Cash Advance Fee: The Mastercard version charges either $10 or 4% of the amount, whichever is greater.
- Foreign Transaction Fee: International purchases made with the Mastercard version incur a fee of approximately 3% of the total transaction amount.
Eligibility Requirements
Eligibility rules determine who can qualify for the Sam’s Club Credit Card.
These requirements focus on credit history, personal information, and membership status. Here are the main qualifications.
- Sam’s Club Membership: An active Club or Plus membership is required before applying.
- Credit Score: A fair to good credit score, typically around 640 or higher, improves approval chances.
- Identification: A valid government-issued ID, such as a driver’s license or passport, must be provided.
- Income Information: Verifiable income is needed to confirm the ability to make payments.
- Contact Details: A working phone number, email address, and U.S. mailing address are required.
- Age Requirement: Applicants must be at least 18 years old to qualify.
How to Apply for the Sam’s Club Credit Card
Applying for this card is a simple process that can be done online or in-store.
The steps focus on verifying membership, completing the form, and reviewing the approval status. Here are the steps to follow.
- Confirm Membership: Make sure an active Sam’s Club Club or Plus membership is in place before starting the application.
- Apply Online: Visit the Sam’s Club credit card application page, log in to the member account, and complete the digital form.
- Apply In-Store: Go to the Member Services desk at any Sam’s Club location and submit the application with assistance from staff.
- Provide Personal Details: Enter basic information such as name, address, income, and identification.
- Review Terms: Read the card agreement, APR details, and required membership conditions before submitting.
- Submit Application: Send the form and wait for instant approval or further review from Synchrony Bank.
- Activate Card: Once approved, activate the card online or by phone to begin using it immediately.
Pros and Cons
The Sam’s Club Credit Card offers strong rewards for frequent warehouse shoppers but also comes with limitations.
Reviewing both sides helps set clear expectations before applying. Here are the main pros and cons to consider.
Pros:
- High Cash Back on Gas: Offers 5% cash back on gas purchases up to the annual limit.
- Strong Dining and Travel Rewards: Provides 3% cash back in both categories.
- No Annual Fee for the Card: Membership is required, but the credit card itself has no annual fee.
- Mastercard Version Works Anywhere: Allows shopping and cash back earning outside Sam’s Club.
- Extra Benefits for Plus Members: Higher savings and more exclusive discounts.
Cons:
- Membership Required: The card cannot be used without an active Sam’s Club membership.
- Limited Rewards Redemption: Cash back is redeemed only once a year as a reward certificate.
- High APR Range: Interest rates can reach nearly 30%, depending on credit.
- Fuel Cash Back Cap: The 5% gas reward has a yearly spending limit.
- Foreign Transaction Fees: International purchases include a surcharge on the Mastercard version.
Managing Your Card Through the Mobile App
Managing your card is easier with the mobile app and online account tools.
These features help track spending, make payments, and update account details. Here are the main functions available.
- Bill Payments: Pay the credit card balance directly through the app using a bank account or scheduled payments.
- Statement Access: View monthly statements, transaction history, and past payments in one place.
- Real-Time Alerts: Receive notifications for purchases, due dates, and security activity.
- Account Updates: Edit personal information, contact details, and communication preferences.
- Security Controls: Enable or turn off card usage, set travel notices, and monitor fraud alerts.
- Reward Tracking: Check current cash back earnings and view when the yearly reward certificate becomes available.
Customer Service and Contact Information
Reliable customer service helps resolve Sam’s Club Credit Card issues quickly.
Verified contact numbers make it easier to get the right support. Here are the main options for personal and business cardholders.
- Personal Credit Card Support: Call 1-800-964-1917 for consumer cardmembers.
- Consumer Mastercard Support: Call 1-866-220-0254 — available 24/7.
- Business Credit Card Support: For business card accounts (account numbers beginning with 7715), call 1-800-203-5764.
- Mastercard Lost/Stolen Reporting (24/7): Use 1-866-220-0254 to report a lost or stolen Sam’s Club Mastercard.
- Issuer Contact via Synchrony Bank: For general credit-card account questions, call 1-866-893-7864.
To Sum Up
The Sam’s Club Credit Card offers strong cash back, solid discounts, and valuable tools for active members.
Its benefits are most beneficial to shoppers who frequently buy fuel, groceries, and household items at Sam’s Club.
Apply today to see if the card fits your spending needs and membership routine.
Disclaimer
Information about rates, fees, and rewards may change at any time and should be verified directly with Sam’s Club or Synchrony Bank.
This article is for informational purposes only and does not serve as financial advice.
