This Sam’s Club credit card review discloses the pros and cons of this MasterCard card from Synchrony Bank. In particular, you will learn about this card’s rewards and benefits, fees, interest rate, recommended credit score, and much more. Additionally, you can check out how to apply for this card or how to make a payment on it. At the end of this page, you can leave your own reviews about this credit card.
Sam’s Club Credit Card Review
First of all, it is worth to point out that Sam’s Club offers two types of credit cards: a usual store card and a MasterCard. While the usual store card comes with very few benefits and doesn’t offer cash back (and so it can be used only at Sam’s Club and Walmart), Sam’s Club MasterCard is far more generous. Let’s check out the benefits of this card in our review below.
So, the usual store card comes with a zero annual fee, but should have a Sam’s Club membership in order to be able to apply for it. Also, it comes with a staggering APR and low credit score requirements (from 580). After all, you can use that card only at Walmart and Sam’s Club, but you will receive no rewards for those purchases.
Unlike that store card, Sam’s Club MasterCard is a completely different card. First of all, it comes with much higher credit score requirements, but also with a much lower APR. Secondly, you can use this credit card anywhere. Besides, same as with the usual store card, you should have a Sam’s Club membership and this credit card comes without an annual fee.
But when it comes to the rewards, they are pretty generous. First of all, you will receive 5% cash back on gas purchases (for the first $6,000 per year). This means that you can save up to $300 on gas per year. And to say nothing, but that is much more generous than the 2% reward rate you would get with the Wawa credit card or the 3.2% reward rate with the Sheetz credit card.
Indeed, this credit card is ideal for travel. You will pay zero foreign transaction fee, making it quite beneficial to use this credit card abroad. Additionally, you will earn 3% cash back on travel purchases – this makes this credit card almost as good for travel as the Uber credit card (which, however, offers quite more perks).
Then, you will also get 3% cash back rewards for dining out – something similar to what you can get with the IKEA credit card. And, of course, you will get 1% cash back rewards on all other purchases. Additionally, there is a temporary reward: open your account and spend $45 online in the first day. For that, you will receive $45 back in a statement credit.
To sum up, this is a really decent credit card from Sam’s Club. Unlike the store card (which is barely worth your attention), the Sam’s Club MasterCard is worth getting for certain purposes. Indeed, it disappoints that you get no extra rewards for the purchases at Sam’s Club or Walmart. But the 5% reward rate for gas purchases definitely makes this card stand out.
Apply for Sam’s Club Credit Card
So, if, after reading our Sam’s Club MasterCard review, you would like to get this credit card, you should submit an online application. For that purpose, you should simply follow the instructions below. Don’t worry. The entire application process is quite quick and will take 10 minutes at maximum.
- First of all, you should click open the webpage of Sam’s Club card by clicking on the following button:
- There, you should click on the green “Apply Now” button – it is located right at the bottom of the page.
- After that, sign in to your Sam’s Club account on the next page. Once that is done, start filling out the application form.
- As soon as you have completed filling out that application form, you should click on the “Submit” button at the bottom.
- It is likely that you will get to see the result of your application on the next page. If you don’t see the result yet, that means that the bank needs more time to consider your application.
Sam’s Club Credit Card Login
If you already have this credit card from Sam’s Club and you have signed up for online access, this means that you can manage your account online. But for that, you will have to make a login each time you will want to do that. In this part of the page, we will show you how to sign in to your credit card account online step by step.
- First of all, you should enter the website of the Synchrony Bank by clicking on the following button:
- On the left side of that page, you will get to view the Sam’s Club credit card login form – that is the place where you can sign in to your credit card account online.
- At first, type your username in the first field of that form.
- After that, you should enter your password in the next field there.
- Also, you may check the box near “Remember User ID” – this will save your username for future sessions.
- Once you are done with all this, you can finalize the login process by clicking on the “Secure Login” button. If you have done everything right, you will access your credit card account online in the next moment.
Sam’s Club Credit Card Payment
Currently, there are three ways how you can pay your Sam’s Club card: online, in store and by phone. Unfortunately, you currently cannot send your payment by mail. In this part of our page, we will uncover how to pay your credit card from Sam’s Club in each of these ways.
Indeed, paying your card online is the easiest way of doing so. For this matter, you should sign in to your credit card online by using our guidelines from the previous section. And then, you will be able to make a payment on your credit card from there.
Secondly, you can pay your credit card in a Sam’s Club store. So, you can do that right at the Member Services Desk, Sam’s Club register, or even Walmart stores.
After all, you can make a payment by phone. For that purpose, you should use the phone number that you can find on the back of your credit card. However, keep in mind that you might be charged an additional fee for this service.
Credit Card Alternatives
If you are looking for a different type of credit cards, here we have prepared a selection of credit cards that might interest you. Just have a look at them.
U.S. Bank Visa Platinum Credit Card
Discover It Secured Credit Card
Capital One QuicksilverOne
Q: What bank issues Sam’s Club credit card?
Currently, Synchrony Bank issues credit cards from Sam’s Club. Besides, you may read reviews of other Synchrony credit cards on our website.
Q: Where can you use a Sam’s Club credit card?
If you have a Sam’s Club store card, you can use it only at Sam’s Club or Walmart. However, if you have a Sam’s Club MasterCard card, you can use it wherever MasterCard is accepted.
Q: Where can I use my Sam’s Club credit card?
As you may read above, you can use your Sam’s Club MasterCard almost anywhere.
Q: What does your credit score have to be to get a Sam’s Club credit card?
Even though there is no particular requirement set by Sam’s Club about credit. Based on the customers’ reviews, however, we recommend your credit score to be at least 690 (or good) before you apply for the Sam’s Club MasteCard.
Q: What credit score is needed for a Sam’s Club credit card?
As you may read above, you should have a good credit, starting with 690. Otherwise, your application is likely to be declined.
Q: How hard is it to get a Sam’s Club credit card?
Considering that you should have at least a good credit for a Sam’s Club MasterCard, one may surely say that it is pretty hard to get this credit card from Sam’s Club.
Q: How to get a Sam’s Club credit card?
First of all, you should match general (being a U.S. resident and aged 18 or more) and credit score criteria. Then, you should submit your application online – basically, you can see how to do that step by step above.
Q: How to get pre-approved for a Sam’s Club credit card?
Unfortunately, you can only submit an online application for this credit card. This means that the hard check will be carried out, which might impact your credit score.
Q: How to apply for Sam’s Club credit card?
In fact, you can easily apply for this credit card from Sam’s Club online. If you would like to see how to do in detail, please check our “Application” section above.
Q: How long does it take to get a Sam’s Club credit card?
After getting approved, it may take somewhere from a few days up to three weeks before you will receive your credit card in the mail. In fact, this depends on a variety of factors, such as your physical address, the business of delivery services and so on.
Q: How do you activate Sam’s Club credit card?
So, you can activate your Sam’s Club MasterCard on the website of the Synchrony Bank (click on the button under the “Login” section above).
Q: How to get a cash advance on Sam’s Club credit card?
Basically, you may get a cash advance on your Sam’s Club MasterCard from any ATM that accepts MasterCard cards. However, you must be aware of the staggering APR, ATM fees and bank fees that you will incur.
Q: How do I pay my Sam’s Club credit card online?
In fact, you should sign in to your credit card account online for this purpose (you can see how to do this in the “Login” section on this page above).
Q: How can I cancel Sam’s Club credit card?
If you would like to cancel the Sam’s Club store card, you should call (800) 964-1917. If you want to close your Sam’s Club MasterCard, you should call (866) 220-0254.