You don’t need to make complicated moves to earn savings at checkout. The Sam’s Club credit card is built for members who want to maximize cashback rewards.
This article will walk you through how the card works, how to apply, and what to expect in terms of benefits. You’ll also see a breakdown of interest rates, contact details, and important disclaimers.
Types of Sam’s Club Credit Cards
Sam’s Club offers two card options, each suited for a specific kind of user. The credit card is for in-club and Walmart use, while the Mastercard is for broader spending.
Sam’s Club Credit Card – Store-Only
This version is only accepted at Sam’s Club and Walmart locations. It doubles as your membership card and has no annual fee.
However, it does not earn cashback or reward points on purchases. This card is suitable if you shop only at Sam’s Club or Walmart.
It also offers basic credit features like online account access. There are no extra perks for Plus members.
Sam’s Club Mastercard
This card works anywhere Mastercard is accepted. You earn rewards on gas, dining, Sam’s Club purchases, and more.
It is the better option for those who want cashback beyond Sam’s Club. You also benefit more if you’re a Plus member.
The rewards stack on top of membership benefits. It’s ideal if you shop both in-store and elsewhere.
Cashback and Rewards Breakdown
These cards offer competitive cashback, but only one of them gives you Sam’s Cash. Let’s look at how the credit card and the Mastercard compare in rewards.
Sam’s Club Mastercard Cashback
These rewards convert into Sam’s Cash. You can redeem Sam’s Cash in-store or online at checkout. The cashback caps at $5,000 in rewards per year.
This makes it a strong choice for regular spenders. Plus members get the best deal. Club members receive fewer perks. This card lets you earn:
- 5% back on gas (first $6,000 per year, then 1%).
- 3% back on dining and takeout.
- 3% back on Sam’s Club purchases for Plus members (1% for Club members).
- 1% back on other purchases.
Store Credit Card Rewards
This card does not offer cashback or Sam’s Cash. It is strictly a store charge card with account access. You won’t earn rewards for your spending.
It works for basic use but lacks additional value. If you don’t qualify for the Mastercard, this is your alternative. It still connects to your membership profile.
How to Apply Online?
You can apply for either card online in just a few minutes. The credit card application process is quick and simple.
Online Application Steps
You can complete the application directly through Sam’s Club’s secure website. The steps below outline the fast and simple process to get started.
- Go to samsclub.com/credit.
- Select the card you want (Credit Card or Mastercard).
- Click “Apply Now.”
- Fill in your personal, financial, and contact info.
- Submit your application and wait for approval.
You can also check if you prequalify. This step does not affect your credit score. Results show up in seconds.
If approved, your card will arrive in 7–10 business days. You can then activate and start using it.
Who Can Apply for the Card?
Both cards are open to eligible U.S. residents with good credit. You must also be a current Sam’s Club member.
Requirements to Apply
You’ll need to meet specific eligibility criteria before applying for the card. The points below list the basic requirements you must fulfill.
- Must be 18 or older and a U.S. resident.
- Must have an active Sam’s Club membership.
- Must pass credit approval (especially for the Mastercard).
- A valid Social Security Number is required.
- Must agree to Synchrony Bank’s credit terms.
- Online access is recommended for managing your account.
Applying is easier if you already have a Sam’s Club account. You can sign in and link your card to your membership right away.
Interest Rates and Fees
Before applying, you should understand what rates and fees come with each card. The credit card and Mastercard have different APRs.
- Sam’s Club Mastercard Purchase APR: 20.90% or 28.90% (variable)
- Sam’s Club Credit Card Purchase APR: 28.90% (variable)
- Cash Advance APR: 25.90%, 31.90%, with $5 minimum fee
- Minimum interest charge: $2
- No annual fee for either card
- No foreign transaction fees on Mastercard
These rates are subject to credit approval and may change. Always read your cardholder agreement after approval.
The APR you get depends on your credit history. If you carry a balance, interest can add up quickly. Paying in full each month avoids those charges.
Important Program Notes
You must keep your membership and card in good standing. Terms may change at any time. Check samsclub.com/terms for the latest conditions.
- 2% Sam’s Cash applies only to Plus members on qualifying in-club purchases.
- Maximum 2% reward of $500/year on Sam’s Club purchases.
- Sam’s Cash rewards are forfeited if the account is delinquent.
- No rewards for pharmacy, alcohol, or tobacco purchases.
- Sam’s Cash cannot be earned on gift card reloads or prepaid cards.
- Rewards may take up to 2 billing cycles to post.
Cardholder Contact Information
If you need help applying or managing your account, support is available. Synchrony Bank manages the credit card program.
- Sam’s Club Credit Services: 1-800-964-1917
- Website: samsclub.com/credit
- Card issued by: Synchrony Bank
- Mail: P.O. Box 965004, Orlando, FL 32896-5004
Customer service is available for payment questions, application support, or technical help. Use your online account for quicker service and to track rewards.
Final Thoughts: Get Started with Sam’s Club Credit Card
Choosing the Sam’s Club credit card is smart if you want to earn Sam’s Cash and save money. It works best for members who shop regularly at Sam’s Club and want cashback on daily spending.
The Mastercard version offers more flexibility and higher rewards. Apply online to see if you qualify and start earning with your purchases.
Disclaimer: Understand the basic terms before using your rewards or managing your account. This section breaks down the key rules for earning and maintaining Sam’s Cash.
