WalletHubNo membership feesHigh rewards rate$30 initial rewards bonusNo foreign feeSpending caps on rewardsNo intro APR on purchasesNo balance transfers allowedRequires good/excellent credit
Info about the Sam's Club® Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
RewardsAPRReviewsFAQContactExcellent Credit, Good Credit
$0
Receive $30 statement credit when you open an account and make a $30 purchase within 30 days of account opening. Terms Apply.
Earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after)
Earn 3% cash back on dining and takeout.
Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
Plus members will earn 3% cash back on all Sam’s Club purchases, plus 2% in cash rewards on eligible in-club purchases.
Maximum of $5,000 in Cash Back rewards can be earned in a calendar year
20.9% - 28.9% (V)
Balance Transfers Not Allowed
by John Kiernan
September 12th, 2023
No membership fees
High rewards rate
$30 initial rewards bonus
No foreign fee
Spending caps on rewards
No intro APR on purchases
No balance transfers allowed
Requires good/excellent credit
| cash advance fee | 3% (min $5) |
| cash advance APR | 25.9% - 31.9% (V) |
| foreign transaction fee | 0% |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | None |
| grace period | 23 days |
Identity theft resolution services
Can't find what you are looking for? Submit your question about Sam's Club® Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
The Sam's Club credit card is a Mastercard and it includes rental car insurance if you use it to rent a car and don't accept the CDW from the car rental company.
You will be covered for the actual repair amount or up to $50K. And call 1-800-MASTERCARD to request a claim form.
You can cancel your Sam's Club® Credit Card by calling (800) 964-1917 or the number on the back of your card. But by doing so, you might hurt your credit score.
To avoid damaging your score, it's better to just leave the card open, even if you don't want to use it anymore.
Yes, the Sam's Club® Credit Card will most likely do a hard pull for a credit limit increase if you're the one requesting it. This can have a short-term negative effect on your credit score. Automatic credit limit increases, on the other hand, are usually only a soft pull and won't affect your credit.
The Sam's Club® Credit Card reports your activity to the credit bureaus Equifax, TransUnion, and Experian a few days after the close of your billing cycle. Just keep in mind that it might take a few days for the information to reflect on your credit report.
Yes, the Sam's Club® Credit Card does report your activity to all the major credit bureaus (TransUnion, Experian, and Equifax) on a monthly basis. So make sure to always pay what you owe before your due date. This can help you improve your credit score.
It takes 7-10 business days to get the Sam's Club Credit Card, from the moment of your approval. Unfortunately they don't offer expedited shipping, so you must wait it out.
There is no way to know if you would/wouldn't be approved for the Sam's Club Credit Card after bankruptcy without an application being submitted.
Synchrony Bank, the issuer, doesn't mention anything about it as a rule.
All info provided by your credit report will be analyzed to make a decision.
The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds.
You'll need income to make your payments, and the issuer will look at several other factors, too. They'll consider your debt, income, and the number of cards you already have, for instance.
Share your insights and review for the Sam's Club® Credit Card
Love Sam Club. I enjoyed the convenience of visiting and shopping getting the items I need during the time I'm in the area thank you Sam's club for your convenient items for my home.
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Offer last updated: Sep 12th, 2023 at 11:41 ET
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