If you shop regularly at Sam’s Club, applying for one of their credit cards can be a smart way to earn cash back and simplify your purchases.
Whether you're buying in bulk for your home or business, the right card can bring you real savings.
All three are available online, waiting for you to apply for them. Just follow these steps.
What Is Sam’s Club?
Sam’s Club is a membership-based warehouse retail chain owned and operated by Walmart Inc.
It was founded in 1983 by Walmart’s founder, Sam Walton, with the idea of helping small business owners save money by selling products in bulk at discounted prices.
Today, Sam’s Club serves not only businesses but millions of everyday consumers across the United States and Puerto Rico.
It competes with other warehouse clubs like Costco and BJ’s, offering members-only access to wholesale pricing on a wide variety of goods:
- Groceries (fresh, frozen, canned, and packaged)
- Meat and produce
- Electronics (TVs, laptops, phones)
- Home goods (appliances, furniture, décor)
- Office and school supplies
- Pharmacy and health items
- Clothing
- Automotive services
- Fuel (usually cheaper than regular gas stations)
- Optical and hearing centers
A Sam’s Club Membership
Before applying, remember that a Sam’s Club membership is not optional. You must be an active member to apply for any of their credit cards.
You’ll be asked to log in with your membership account and enter your member number during the online application process.
You'll need to sign up first if you're not yet a member. Sam’s Club offers two types of memberships:
- Club Membership – $50 per year
- Plus Membership – $110 per year (offers additional perks and higher cashback potential)
The Three Sam’s Club Credit Card Options
Sam’s Club offers three types of credit cards through Synchrony Bank.
The Sam’s Club Credit Card, the Sam’s Club Mastercard, and the Sam’s Club Plus Mastercard.
1. Sam’s Club Credit Card (Store-Only Card)
This is a store-only card, meaning it can only be used at Sam’s Club. It's best suited for shoppers who prefer to limit their credit usage to one store.
This version has no rewards, but it still offers easy payment tracking and exclusive club promotions.
2. Sam’s Club Mastercard
The Mastercard version is more flexible. It can be used anywhere Mastercard is accepted, not just at Sam’s Club. It includes rewards such as:
- 5% cash back on gas (up to $6,000 annually, then 1%)
- 3% cash back on dining and travel
- 1% cash back on other purchases
3. Sam’s Club Plus Mastercard
This version is available only to Sam’s Club Plus members. It offers all the benefits of the standard Mastercard, with added perks like:
- 2-3% cash back (in addition to credit card rewards) on qualifying Sam’s Club purchases through the Plus membership
- Access to more exclusive savings events
These options allow members to choose the right fit based on how and where they shop.
How to Apply Online
The online application process is quick and accessible to members. Here's how to apply:
- Step 1: Go to the Sam’s Club Website: Visit the website and sign in to your account using your membership credentials. You must log in to access the credit card application.
- Step 2: Go to the Credit Card Section: Scroll down to the footer and click “Sam’s Club Credit.” You’ll see all three card types listed with their benefits.
- Step 3: Select the Card You Want: Choose between the regular store card, the Mastercard, or the Plus Mastercard. Click “Apply Now.”
- Step 4: Complete the Application: You’ll need to provide your full name, date of birth, Social Security number, address, estimated annual income, your Sam’s Club member number
- Step 5: Submit and Wait for Approval: Most applicants receive an instant decision. If approved, you may receive a temporary card number to start shopping immediately at Sam’s Club.
Interest Rates and Fees
As of March 2025, interest rates are as follows (subject to change):
- Purchase APR: 20.65% to 29.65% variable, depending on credit
- Cash Advance APR: 29.99% variable
- Penalty APR: Up to 29.99%
- Late Payment Fee: Up to $41
- Annual Fee: $0 for the card (but membership is required)
Remember: even though there’s no card fee, you must maintain an active paid membership to keep your Sam’s Club credit card valid.
Who’s Eligible?
To apply, you must:
- Be 18 or older (19 in some states)
- Have a valid Social Security number
- Be an active Sam’s Club member
- Pass a credit check through Synchrony Bank
- Most successful applicants have a fair to good credit score, generally above 640.
Card Management and Mobile Access
Once approved, you can manage your card using:
These platforms allow you to view your balance, set up payments, track cashback rewards, and receive alerts.
Customer Service Information
If you have questions or need help with your card or application, contact the issuer directly:
- Phone: 1-(800) 964-1917
- Mailing Address: 2101 SE Simple Savings Dr, Bentonville, AR 72712, United States
You can also get support through your local Sam’s Club or at www.samsclub.com.
Final Considerations
The Sam’s Club credit cards are designed for loyal members who want to earn cash back on gas, dining, travel, and Sam’s Club purchases.
Whether you choose the store-only card, the Mastercard, or the Plus Mastercard, the right option depends on your shopping habits and membership tier.
The online application process is quick, but it all starts with having an active membership.
Disclaimer: This article is for informational purposes only. Interest rates, terms, and card features are subject to change. Before applying, please verify all current details with Synchrony Bank or Sam’s Club. Credit approval is required. Sam’s Club is a trademark of Sam’s West, Inc. Synchrony Bank, Member FDIC, issues the credit cards mentioned.
