In large household shops or small weekly top-ups, the Sam’s Club Credit Card keeps costs tight through targeted rewards and low-friction management.
The program spans two cards, Sam’s Club Mastercard and Sam’s Club Store Card, issued to active members and designed to earn Sam’s Cash that posts to your account regularly.
Across everyday spending, the Mastercard version brings broad acceptance and strong categories, while the Store Card focuses on in-club and Walmart purchases.
What the Cards Include
Members receive a payment tool that also functions as a membership ID, simplifying point-of-sale and Scan & Go flows.
Synchrony lists core conveniences such as 24/7 online account access, ability to freeze a card, and fraud protections that limit liability for unauthorized transactions.
Acceptance extends across Sam’s Club and Walmart for both cards, while the Mastercard works anywhere Mastercard is taken.
Sam’s Cash
Rewards arrive as Sam’s Cash, issued to your membership and usable in club, online, or for cash at the membership desk subject to local limits and ID rules.
Issuance occurs monthly, and members can earn up to $5,000 in Sam’s Cash per calendar year under the Mastercard rewards program.
Rates, Fees, and Rewards
A concise table helps compare costs and category value. Rates vary by credit tier and the Prime Rate.
Synchrony’s 3/31/2025 pricing addendum and its current partner page provide the most recent public figures; always re-check during application to lock the live offer.
| Topic | Core details |
| Purchase APRs | Mastercard: 20.90% or 28.90% variable (as of Mar 31, 2025). Current partner page reflects 20.65% or 28.65% for new accounts as of 10/01/2025. Store Card: 28.65% variable (PLCC). Minimum interest charge $2. |
| Cash advance | Mastercard cash APR 25.90% or 31.90%; fee 3% ($5 min). Store Card: not applicable. |
| Foreign transaction fee | No foreign transaction fee on the Mastercard; currency conversion follows Mastercard procedures. |
| Annual fee | No annual fee for either consumer card; active membership required. |
| Rewards | Mastercard earn: 5% gas (first $6,000/year, then 1%), 3% dining & takeout, 3% Sam’s Club for Plus members (Club earns 1%), 1% other. Annual cap $5,000; issued monthly as Sam’s Cash. |
Eligibility and Documents
An active Sam’s Club membership is required before applying, and standard credit factors, income, existing obligations, and file depth drive outcomes.
Prepare a government ID, Social Security number, current address, and income data to pass real-time verification without delays. Card credentialing confirms membership status during application and at activation.
How to Apply
Quick digital flows reduce friction and surface instant decisions, while a soft prequalification check can show likely terms without a score hit. Applications trigger a hard inquiry only when you submit a full application. Synchrony details both paths clearly on its site.
Apply Online
Complete the following steps in one sitting to avoid timeouts and typos that slow approvals.
- Visit the Sam’s Club credit page and select “Apply now” or “See if you prequalify.” The prequalification path has no impact on your credit score.
- Create or sign in to your SamsClub.Syf.com profile so approved accounts sync to online management automatically.
- Fill accurate personal, membership, and income fields; review rate disclosures tied to your credit tier and the Prime Rate.
- Submit and watch for an instant decision; if pending, monitor email or your portal for document requests.
- On approval, activate on arrival and add the card to supported wallets for tap-to-pay.
Apply In Club
Member Services can start the same Synchrony workflow, verify membership, and provide status guidance.
Bring your membership card and government ID to streamline ID checks and reduce follow-up. Decisions arrive instantly when files are complete; otherwise, updates post to the portal or arrive by email.
Application Decisions and Credit Impact
Credit card applications use a hard inquiry, and scoring models consider how recently and how frequently new credit is requested.
The Consumer Financial Protection Bureau explains that a single inquiry usually causes a small, temporary score reduction, while rate-shopping logic mainly applies to loans rather than revolving cards.
Space out applications and let new accounts age before seeking additional credit.
Maximizing Sam’s Cash and Account Hygiene
Consistent habits protect credit health and ensure rewards post correctly. Simple automation plus periodic checks deliver most of the upside without extra maintenance.
On-Time Payments and Autopay
Set autopay to statement balance to avoid interest entirely, or at minimum-due if cash-flow requires flexibility. Same-day posting windows and cutoff times apply; pay a couple of days early when moving funds between institutions to bypass delays.
Track and Redeem Sam’s Cash
Review monthly Sam’s Cash postings inside the account dashboard and redeem in checkout or at the membership desk for cash, subject to club limits and ID.
Remember the annual earnings cap of $5,000 for Mastercard rewards and monitor the $6,000 annual gas threshold where the earn rate drops from 5% to 1%.
Keep Utilization Low
Aim for single-digit utilization before the statement cut to support healthier score outcomes. Multiple small payments within a cycle can keep reported balances low on both individual lines and overall revolving credit.
Freeze Lost Cards and Contact Support
Use the online portal to lock a misplaced card, then contact the appropriate line for a replacement. Consumer Credit support is available 24/7; published numbers include (800) 964-1917 for consumer accounts and (800) 203-5764 for business credit.
Which Card Fits Different Shoppers
Frequent Sam’s Club shoppers who also spend on dining and fuel usually find the Sam’s Club Mastercard superior, thanks to 3% dining and the headline 5% gas earn on the first $6,000 annually, followed by 1% thereafter.
Plus members stack 3% in-club on the card with 2% from Sam’s Club Plus membership for up to 5% on eligible Sam’s Club purchases.
Members who never use a card outside the club and want a simpler line for Sam’s and Walmart purchases may prefer the Sam’s Club Store Card.
Business and International Notes
Sam’s Club also offers business credit variants issued by Synchrony Bank, enabling account separation, statements for reconciliation, and access to the same digital tools.
Global travelers can use a membership at clubs in several countries; payment acceptance follows local rules, and staffed registers are required for international in-club checkout.
For cross-border card transactions, the Mastercard version lists no foreign transaction fee, although Mastercard handles currency conversion at network rates.
Practical Fine Print That Affects Value
Category exclusions apply. Alcohol, tobacco, pharmacy, and certain third-party or marketplace items typically do not earn Mastercard rewards, and Store Card purchases do not earn category cash back.
Rewards issuance requires both an active membership and an account in good standing.
Earning limits apply at both the category level and the annual program cap, and Sam’s may set cash-out maximums in club. Confirm the exact terms on the live issuer and help pages before large purchases.
Customer Support and Account Access
Account servicing and paperless statements run through SamsClub.Syf.com, while the help center maintains current phone trees and mail addresses.
For Consumer Credit, call (800) 964-1917; for Business Credit, call (800) 203-5764. Billing questions are fastest through the number on the back of the card or via secure messaging after sign-in.
Conclusion
Members seeking reliable, everyday value get strong mileage from the Sam’s Club Mastercard categories and the no foreign transaction fee policy, particularly when stacking Sam’s Club Plus earnings in-club.
Those focused exclusively on Sam’s and Walmart checkout can keep things simple with the Sam’s Club Store Card, still benefiting from zero annual fee and integrated account tools.
Confirm rates during application, use autopay to eliminate interest, and redeem Sam’s Cash monthly to keep rewards compounding through regular household or business spend.
