If you already shop at Sam’s Club, the Mastercard may allow you to earn Sam’s Cash on qualifying purchases you were already planning to make.
Choose an Option:
Why Consider A Sam’s Club Credit Card?
- The Sam’s Club Mastercard earns Sam’s Cash on qualifying purchases
- A Sam’s Club credit account can be managed as part of responsible credit habits
- The cards may offer value for regular Sam’s Club members
- You can compare Sam’s Club cards with options from Costco, BJ’s Wholesale Club, Walmart, Target, Amazon, Chase, Citi and Capital One
What To Know Before You Apply
Rewards May Be More Relevant For Frequent Members
The Sam’s Club Mastercard currently offers 5% back in Sam’s Cash on eligible gas purchases on the first $6,000 spent in the category each year, then 1%. It also offers 3% on dining and takeout, 3% on qualifying Sam’s Club purchases for Plus members, 1% on Sam’s Club purchases for Club members and 1% on other qualifying purchases.
These rewards may be more relevant if gas, dining and Sam’s Club shopping are already part of your normal spending. If you rarely shop at Sam’s Club, compare the card with more general rewards options before applying.
Responsible Credit Use Requires Consistency
A credit card should be managed according to your budget and the account terms. No credit card guarantees that your credit score will improve.
Pay according to the required schedule and avoid taking on more debt than your budget can comfortably manage. Interest, fees and missed payments can reduce the financial value of any rewards you earn.
Redemption Has Rules And Limits
Sam’s Cash can be used for many eligible Sam’s Club purchases and membership renewal and can also be redeemed for cash at a Sam’s Club location under current program rules.
Sam’s Club Mastercard holders can currently earn up to $5,000 in Sam’s Cash per calendar year on qualifying Mastercard purchases, subject to program terms and account requirements.
Plus members can also earn Sam’s Cash through the separate Plus membership program on qualifying purchases. That program has its own limits, exclusions and eligibility rules.
Always review the latest Sam’s Cash terms before relying on a particular earning or redemption method.
Start In 3 Steps
- Confirm that you have an active Sam’s Club membership and meet the published application requirements.
- Compare the Sam’s Club Credit Card and Sam’s Club Mastercard features, including acceptance, rewards and borrowing costs.
- Apply through the official Sam’s Club or Synchrony process only if the credit terms fit your budget.
Use Rewards Without Losing Control
The Sam’s Club Mastercard may be worth considering for members who already spend regularly in qualifying Sam’s Club, gas and dining categories. Compare the rewards with the current APR, applicable fees and your normal spending before deciding whether to apply.
How Does It Work?
You Review The Card Differences
Start by reviewing the differences between the Sam’s Club Credit Card and the Sam’s Club Mastercard.
The Sam’s Club Mastercard offers broader Mastercard acceptance and earns Sam’s Cash on qualifying purchases. The Sam’s Club Credit Card has more limited acceptance and does not earn Sam’s Cash.
Under the current application process, applicants are considered first for the Sam’s Club Mastercard. If they are not approved for the Mastercard, they may then be considered for the Sam’s Club Credit Card.
You Apply Through The Official Process
You can apply through the official Sam’s Club credit process. Current requirements include an active Sam’s Club membership and a valid physical U.S. mailing address.
Provide the personal and financial information requested in the application. Approval and credit limit are subject to Synchrony’s credit decision, and the application process determines which product, if any, is offered.
You Manage Payments And Rewards
If your account is approved, use the available account tools to review transactions, balances, statements and payments.
If you receive the Sam’s Club Mastercard, you can also monitor the Sam’s Cash earned according to the rewards program.
Paying according to the account terms and keeping borrowing within your budget are important parts of responsible credit management.
Decide If The Card Fits
The Sam’s Club Mastercard may be worth considering for regular members whose spending includes eligible gas, dining and Sam’s Club purchases. Review the current rewards terms, APR, fees and alternatives before deciding whether the account fits your financial needs.
