Sam’s Club Credit Card holders maximize everyday value inside and outside the club. The card line centers on the Sam’s Club Mastercard and the Sam’s Club Store Card, both issued by Synchrony Bank for members in the United States.
Expect broad acceptance, no annual fee, and Sam’s Cash rewards that post monthly to your membership. Rewards rates, APRs, and fees below reflect current issuer disclosures as of March 31, 2025, and later updates where noted.
What the Sam’s Club Credit Card Includes
Members get a payment tool that also functions as a membership credential at checkout.
The Sam’s Club Mastercard works anywhere Mastercard is accepted, while the Store Card works at Sam’s Club and Walmart nationwide.
Security and convenience features include:
- zero fraud liability,
- online account management, and
- contactless payments through Tap & Go or supported wallets.
Both consumer cards carry no annual fee; a Sam’s Club membership remains required.
Rates, Fees, and Rewards Summary
A clear snapshot helps you compare costs and benefits before applying. APRs vary by credit profile and can change; verify again on the issuer page at application time.
Rewards are earned as Sam’s Cash and loaded monthly to your membership for redemption in-club, online, or for cash at the club.
| Topic | Core details (as of Mar 31, 2025 unless noted) |
| Purchase APRs | Store Card: 28.90% variable. Mastercard: 20.90% or 28.90% variable. Min interest charge $2. (Synchrony) |
| Cash advance | Mastercard: 25.90% or 31.90% variable; fee 3% ($5 min). Store Card: not applicable. (Synchrony) |
| Foreign transaction fee | None on the Mastercard. (Synchrony agreement) |
| Annual fee | no annual fee for both consumer cards; Sam’s Club membership required. (Synchrony) |
| Rewards | Mastercard: 5% gas (first $6,000/yr, then 1%); 3% Sam’s Club for Plus (Club earns 1%); 3% dining & takeout; 1% other. Sam’s Cash issues monthly; annual earn cap $5,000. (Sam’s Help) |
Eligibility and Documents
An active Sam’s Club membership is mandatory before applying. Typical credit score requirements range from fair to good for general approval; final decisions depend on income, debts, and credit history.
Prepare a government ID, Social Security number, current address, and income details to pass verification quickly. Sam confirms membership status during the application.
How to Apply Online
Strong submissions reduce processing friction and speed decisions. Complete the steps in one sitting and double-check entries before sending.
- Create or sign in to a SamsClub.Syf.com profile to enable online account management after approval.
- Start at the Sam’s Club credit page and choose “Apply” or “See if you prequalify.” Prequalification shows potential terms with no score impact.
- Select card type (you’ll be considered for the Mastercard first; if not approved, you may be considered for the Store Card).
- Enter accurate personal, membership, and income information; review consent disclosures; submit.
- Watch for an instant decision online; if pending, monitor email or your account portal for updates.
Apply In the Club
Applications are also available at the Member Services Desk. Staff can initiate the same Synchrony application flow, verify membership, and provide next-step guidance. Bring your ID and membership card to streamline verification.
If a decision does not return immediately, expect notification through the contact details you provided.
Application Decisions and Credit Impact
Credit card applications trigger a hard inquiry, which may affect credit scores. The Consumer Financial Protection Bureau notes a single inquiry typically has a small, temporary impact; scoring models look at how recently and how frequently credit is requested.
If more review is needed, Synchrony will contact you for documents or provide a decision later via the portal or email.
After approval, wait for mail delivery, then activate and add the card to mobile wallets for contactless payments.
Managing Your Card Well
Good habits preserve rewards value and protect credit health. Keep balances manageable and leverage security features.
- Pay at or before the due date: Pay at or before the due date through the online portal or mobile app. Most payments post the same day when submitted before the listed cutoff time. Scheduling autopay two to three days early helps avoid processing delays and accidental interest.
- Use alerts, paperless statements, and autopay: Use due-date reminders, large-transaction alerts, and international-use alerts to spot issues quickly. Paperless statements arrive sooner and keep records centralized for disputes or tax documentation. Autopay set to statement balance prevents interest; minimum-due autopay reduces risk but may accrue charges.
- Track Sam’s Cash and redeem regularly: Track Sam’s Cash monthly inside your account dashboard and confirm posting after each cycle. Redeem at checkout in-club or online, or request cash at the membership desk. Verify local cash-out rules, as some clubs set limits or require identification.
- Keep utilization low versus your limit: Keep credit utilization low relative to your limit to support healthier score outcomes. Aim for under thirty percent across accounts, and single-digit utilization performs even better. Multiple small payments within a cycle can lower reported balances before statement generation.
- Report lost or stolen cards immediately: Report lost or stolen cards immediately and freeze the account in the app if available. Call Consumer Credit at (800) 964-1917 or Mastercard at (866) 220-0254 to replace. Review recent transactions, dispute unauthorized charges, and update merchants that store your card.
Customer Support and Account Access
Account servicing for consumer cards runs through SamsClub.Syf.com. The help center lists 24/7 phone lines by card type, including Consumer Credit at (800) 964-1917 and Business Credit at (800) 203-5764.
For billing questions or payment addresses, follow the instructions on your statement or call the number on the back of the card.
Conclusion
Applying for the Sam’s Club Credit Card online takes minutes and delivers practical value for frequent members.
Rewards on gas, dining, and Sam’s Club purchases convert to Sam’s Cash monthly, while no annual fee, zero fraud liability, and contactless payments keep costs and friction low.
Confirm current APRs and terms at application time, maintain on-time payments, and use the portal’s online account management tools to capture the full benefit.
