The Sam’s Club Credit Card is a practical tool to help you earn rewards and save on everyday purchases.
It’s designed for members who want cashback, convenience, and added value when they shop.
This guide will show you how to apply and utilize its features to the fullest.
Key Features and Benefits
The Sam’s Club Credit Card offers strong rewards and useful perks tailored to frequent shoppers.
Here's a breakdown of what you get when you use the card:
Cash Back Rewards
- Earn 5% cash back on gas (up to $6,000 per year, then 1%).
- Get 3% back on dining and travel.
- Earn 1% back on all other purchases.
- Sam’s Club Plus members receive additional benefits.
No Annual Fee
- No card-specific annual fee beyond your Sam’s Club membership.
Works as a Membership Card
- Functions as both your membership ID and credit card.
- Makes in-store checkout faster and more convenient.
Accepted Anywhere Mastercard is Used (for Mastercard version)
- Use the card outside of Sam’s Club, including gas stations, restaurants, and online stores.
Digital Wallet Compatibility
- Add the card to Apple Pay, Google Pay, or Samsung Pay for contactless payments.
Special Offers and Promotions
- Access periodic discounts, bonus cashback events, and limited-time deals exclusive to cardholders.
Interest Rates and Fees
Before using the card, it’s essential to understand the exact costs involved.
This covers interest rates for purchases, cash advances, and balance transfers, as well as any related fees.
- Purchase APR: Variable APR typically ranges from 20.90% to 29.90%, depending on your creditworthiness.
- Cash Advance APR: Set at a variable rate of 29.90%.
- Penalty APR: May apply after a late payment and can range from 29.90% to a higher rate.
- Late Payment Fee: Up to $40, based on your outstanding balance.
- Returned Payment Fee: Up to $40 if your payment is not processed.
- Cash Advance Fee: Either $10 or 5% of the cash advance amount, whichever is greater.
- Foreign Transaction Fee (Sam’s Club Mastercard only): No fee, which is helpful for international purchases.
There is no annual fee for the card itself, but a Sam’s Club membership is required and starts at $50 per year.
Eligibility and Requirements
To apply, you need to meet certain basic conditions. These ensure your application is valid and can be processed smoothly.
- Must be an active Sam’s Club member.
- Must be at least 18 years old (or 19 in some states).
- Valid U.S. mailing address (no P.O. boxes).
- Social Security Number (SSN) or Taxpayer Identification Number (TIN) is required.
- Must have a good to excellent credit score (typically 670 or higher).
- Must agree to a credit check during the application process.
How to Apply for the Sam’s Club Credit Card
Applying takes just a few minutes. You can submit your request online or in person.
Approval is often instant, and you’ll receive your card within a week.
Online Application
- Log in to your Sam’s Club account and go to the “Credit” section.
- Choose between the store card, Mastercard, or Plus Mastercard and click “Apply Now.”
- Please complete the form with your personal information (name, address, Social Security number or Individual Taxpayer Identification Number, income, and employment details), and then submit it.
In-Store Application
- Visit any Membership Services Desk.
- Request an application and provide your membership number and ID.
By Phone (less common)
- Call the number on the back of your existing Sam’s Club credit card or support line.
- Complete the application with a representative.
After Submission
- You may get an instant decision online.
- If approved, the card will be mailed to you within 7–10 business days.
Managing Your Card and Rewards
Here are the primary tools and settings you’ll use to manage your account efficiently, each with a quick explanation:
- Spending Tracker: Monitor your purchases and current balance through the mobile app or website.
- Rewards Balance: View your cashback earnings and see when they’ll be issued.
- Redemption: Use your rewards in-store or online once they become available, typically once a year.
- Autopay Setup: Automatically pay your bill each month to avoid interest and late fees.
- Account Alerts: Get notifications for purchases, due dates, and available statements.
- Monthly Statements: Access detailed records of your spending and payments for review or budgeting.
- Profile Updates: Keep your contact details up to date to ensure you receive all account updates.
Mobile Wallet Compatibility
You can link your card to digital wallets for a faster and safer checkout experience. Here’s how it works and what’s supported:
- Apple Pay: Add your card to the Apple Wallet for contactless payments with an iPhone or Apple Watch.
- Google Pay: Use Google Pay on Android devices for secure, tap-to-pay purchases.
- Samsung Pay: Make payments in-store or online using Samsung Pay with supported Galaxy devices.
- Contactless Checkout: Pay by tapping your phone or watch at terminals that accept mobile payments.
- Secure Transactions: Every transaction is encrypted, helping protect your account details from unauthorized access and fraud.
- Fast Setup: Add the card through your phone’s wallet app in just a few steps.
Understanding the Plus Membership Advantage
If you have a Sam’s Club Plus membership, you get extra perks that pair well with the credit card. Here’s what makes the upgrade worth it:
- Higher Cashback Potential: Earn 2% extra rewards on qualifying Sam’s Club purchases (up to $500/year).
- Free Shipping: Enjoy free shipping on most online items, with no minimum order requirement.
- Early Shopping Hours: Access clubs before regular hours, letting you shop with fewer crowds.
- Pharmacy and Optical Savings: Discounts on prescriptions and optical services, including free select generic meds.
- Instant Savings Offers: Access extra discounts automatically loaded to your membership account.
Where You Can Use the Card
This card is accepted at a variety of locations, providing you with flexibility beyond Sam’s Club. Here's where you can use it:
- Sam’s Club Stores: Use it for all in-store purchases at any Sam’s Club location.
- Sam’s Club Online: Shop on SamsClub.com and use the card at checkout.
- Walmart Stores (for Mastercard version): Accepted at Walmart and affiliated locations for eligible cardholders.
- Anywhere Mastercard is accepted: The Mastercard version works worldwide at restaurants, gas stations, and travel sites.
- Sam’s Club Fuel Stations: Earn cashback when you use the card for fuel purchases.
- Dining and Travel: Use it for meals, flights, hotels, and vacation bookings that accept Mastercard.
Contact and Customer Support
Need assistance? You have several reliable options to get precise help whenever you need it:
Credit Card Phone Support
- For personal credit card questions, call 1‑800‑964‑1917.
- For Mastercard inquiries, dial 1‑866‑220‑0254.
Live Chat
- Available through your account or the Sam’s Club Help Center (Mon–Sun, 7 am–11 pm CT).
Secure Message Center
- Send messages after logging in via the Sam's Club or Synchrony portal.
In‑Club Assistance
- Visit the Membership Services Desk at your local Sam’s Club for in-person support.
Lost or Stolen Card
- Report it immediately using the numbers above to freeze or replace your card.
To Sum Up
The Sam’s Club Credit Card offers real savings through cash back, exclusive perks, and seamless integration with your membership.
It’s a smart way to maximize value on everyday purchases and fuel costs.
Apply now to start earning rewards and make every trip to Sam’s Club work harder for you.
Disclaimer
Card approval is subject to credit evaluation and requires an active Sam’s Club membership.
Terms, conditions, and reward rates may change; always check the issuer’s official site for the latest information.
