The Sam’s Club Credit Card

The Sam’s Club Credit Card is a store-branded card that offers exclusive benefits to Sam’s Club members. This card is issued by Synchrony Bank and comes in two versions: the Sam’s Club Store Card and the Sam’s Club Mastercard. The Store Card can only be used at Sam’s Club and Walmart, while the Mastercard works anywhere that accepts Mastercard payments.
One of the key benefits of this card is its cashback rewards program, making it appealing for frequent shoppers. The Mastercard version offers 5% cashback on gas, 3% on dining and travel, and 1% on all other purchases. This means users can save money on their everyday expenses while earning rewards.
Another advantage is that Sam’s Club Credit Cardholders enjoy special financing offers and access to exclusive deals throughout the year. However, the card comes with a high APR, so it’s important to pay off balances in full each month to avoid interest charges.
For those who shop frequently at Sam’s Club, this credit card can be a valuable tool to maximize savings. However, it may not be the best choice for individuals who don’t shop at Sam’s Club often or prefer a card with lower interest rates and more flexible rewards.

How to Apply for a Sam’s Club Credit Card

Applying for a Sam’s Club Credit Card is a simple process. You can apply online or in-store at any Sam’s Club location. Before applying, ensure you have a Sam’s Club membership, as it is a requirement for approval.

  • Visit the Sam’s Club website and navigate to the credit card section.
  • Choose between the Sam’s Club Store Card and Sam’s Club Mastercard.
  • Fill out the application form, providing your personal details such as name, address, Social Security Number (SSN), and income details.
  • Submit the application and wait for approval. Many applicants receive an instant decision.
  • Visit your nearest Sam’s Club store.
  • Go to the customer service desk and request a credit card application.
  • Fill out the application form and submit it. You may receive instant approval.
  • Once approved, you will receive your Sam’s Club Credit Card in the mail within 7-10 business days.
  • You can start using it immediately by logging into your account or linking it to the Sam’s Club app.

Does Sam’s Club Card Have Worth?

Whether the Sam’s Club Credit Card is worth it depends on your shopping habits. If you shop frequently at Sam’s Club and spend a lot on gas, dining, and travel, then this card offers significant cashback rewards.

The Sam’s Club Mastercard offers:

  • 5% cashback on gas (up to $6,000 per year).
  • 3% cashback on dining and travel.
  • 1% cashback on all other purchases.

If you maximize these cashback categories, you can save a lot of money annually. However, if you don’t shop at Sam’s Club regularly, this card may not be the best choice. The high APR can also be a downside if you carry a balance.
Overall, the Sam’s Club Credit Card is worth it for loyal Sam’s Club shoppers, but others may find better options with general cashback credit cards.

Sam’s Club Credit Card Customer Service

The customer service for Sam’s Club Credit Card is managed by Synchrony Bank. If you need assistance, you can contact their support team via phone, online chat, or through the Sam’s Club website.
Common reasons to contact customer service include:

  • Checking your account balance.
  • Reporting lost or stolen cards.
  • Disputing charges.
  • Updating personal details.
  • Understanding cashback rewards and offers.

For quick assistance, it’s best to call their toll-free number or use the online chat feature.

To manage your Sam’s Club Credit Card, you need to log in to your Synchrony Bank account. Here’s how you can do it:

  • Go to the Sam’s Club Credit Card login page.
  • Enter your User ID and password.
  • Click “Secure Login” to access your account.
  • From your online account, you can:
  • Check your balance.
  • Make payments.
  • View transactions.
  • Set up alerts and notifications.

For any issues or inquiries related to your Sam’s Club Credit Card, you can call Synchrony Bank’s toll-free customer service number. The exact number is provided on the official Sam’s Club website and the back of your credit card.

The Sam’s Club app allows users to:

  • Check their balance.
  • Make payments.
  • View cashback rewards.

Who Should Get Sam’s Club Credit Card?

This card is ideal for:

Frequent Sam’s Club shoppers.

  • People who spend a lot on gas, dining, and travel.
  • Individuals looking for a store-branded cashback card.

However, it’s not ideal for those who:

  • Don’t shop at Sam’s Club often.
  • Carry a balance and want a low APR.

Pros and Cons

Pros and Cons of Sam’s Club Credit Card are as follows:

  • ✔ High cashback rewards.
  • ✔ No annual fee for Plus members.
  • ✔ Special financing options.
  • ✖ High APR.
  • ✖ Membership required.
  • ✖ Limited usage for Store Card version.

Sam’s Club Credit Card Benefits

  • 5% cashback on gas.
  • 3% on dining and travel.
  • 1% on all other purchases.
  • Exclusive financing offers.
  • No annual fee for Plus members.
  • Sam’s Club Credit Card Requirements
  • Must be a Sam’s Club member.
  • Minimum credit score of 700 (recommended for Mastercard).
    U.S. resident.

Sam’s Club Card Offers

Special offers include:

  • 0% APR financing on select purchases.
  • Bonus cashback promotions.

Sam’s Club Credit Card Rewards

  • 5% cashback on gas.
  • 3% on dining and travel.
  • 1% on all other purchases.

Sam’s Club Credit Card Application Status

After applying for a Sam’s Club Credit Card, you may want to check your application status. You can do this in two ways:

  • Visit the Synchrony Bank website.
  • Log in to your account (or create one if you haven’t yet).
  • Enter your application details to check your status.
  • Call Sam’s Club Credit Card customer service at the toll-free number.
  • Provide your application reference number.
  • Speak with a representative to get the status update.

Most applications receive instant approval, but if further review is needed, it may take up to 7-10 business days for a final decision.

Final Verdict

The Sam’s Club Credit Card is a great option for frequent Sam’s Club shoppers who want to earn cashback on gas, dining, and travel. With no annual fee for Plus members, it provides good rewards and special financing options. However, the high APR and Sam’s Club membership requirement may not be suitable for everyone.
If you shop at Sam’s Club regularly, this card can help you save money through cashback. But if you’re looking for a card with lower interest rates or more flexible rewards, a general cashback credit card might be a better option.

Frequently Asked Questions

The Sam’s Club Credit Card is issued by Synchrony Bank.

You can pay your bill online through Synchrony Bank’s website, via the Sam’s Club app, by phone, or in-store at any Sam’s Club location.

To close your account, call Synchrony Bank customer service and request card cancellation.

Activate your card online through the Synchrony Bank website or by calling the activation number provided with your card.

You can check your application status online on the Synchrony Bank website or call customer service for updates.

Apply online on the Sam’s Club website or visit a Sam’s Club store and apply at the customer service desk.

To cancel your card, contact Synchrony Bank customer service and request account closure.

Yes, the Sam’s Club Credit Card affects your credit score based on factors like on-time payments, credit utilization, and overall credit history.

Only the Sam’s Club Mastercard can be used internationally. The Sam’s Club Store Card is limited to Sam’s Club and Walmart locations in the U.S.

The Sam’s Club Mastercard allows cash advances at ATMs, but fees and high interest rates apply. The Sam’s Club Store Card cannot be used at ATMs.

Yes, Sam’s Club stores are located across the United States, and you can use your Sam’s Club Credit Card there.

Yes, the Sam’s Club Mastercard may charge foreign transaction fees when used internationally.

The Sam’s Club Credit Card is a Mastercard.

Yes, when you apply for the Sam’s Club Credit Card, Synchrony Bank performs a hard inquiry, which can temporarily lower your credit score.