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Sam's Club Mastercard

in Personal Credit Cards from Synchrony Bank

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Sam's Club Mastercard

Unaffiliated

in Personal Credit Cards from Synchrony Bank

Net Recommendation Score -100%

SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
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Community Rating

Rating not yet determined

In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Purchase APR  (Variable APR) 16.40% - 24.40%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 580 - 850
Annual Fee $55

Sam's Club Mastercard Review

Sam's Club Mastercard is a store cashback credit card issued by Synchrony Bank. If you're wondering whether Sam's Club Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • Earn 1% cash back on everyday purchases.
  • Signup bonus. Offers a signup bonus of $45 if you spend $45.
  • Competitive APRs. Sam's Club Mastercard has a variable purchase APR that ranges from 16.40% up to 24.40%.
  • $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
  • Gas rewards. Earn up to 5% for every $1 you spend on gas.
  • Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, purchase protection, and fraud protection.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 580.

Sam's Club Mastercard Pros and Cons:

The Good The Bad
  • Doubles as Sam's Club membership card.
  • High 5% cash back rewards for gas purchases.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Considers applicants with fair or poor credit.
  • No foreign transaction fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Sam's Club Mastercard reports to multiple credit bureaus.
  • Cardholders can earn rewards on their purchases.
  • Must be a Sam's Club member to qualify.
  • Total rewards are capped at $5,000 per year.
  • Rewards can only be redeemed once per year.
  • Charges an annual fee of $55

Is there a Sam's Club Mastercard cash back or rewards program?

Sam's Club Mastercard is a cashback card. This means you earn a percentage of your purchase as a cash reward. With Sam's Club Mastercard you receive 1% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

Sam's Club Mastercard Rewards
Rewards rate (all purchases) 1%
Max rewards rate 5%
Annual rewards limit 5000
Signup Bonus ($) $45
Signup Bonus Spend Requirement $45

Does Sam's Club Mastercard have a signup bonus?

Yes, Sam's Club Mastercard offers card users a signup bonus worth up to $45 after spending $45.

Does Sam's Club Mastercard offer an annual loyalty bonus?

Sam's Club Mastercard doesn't offer a cash loyalty bonus.

What are the Sam's Club Mastercard benefits?

Sam's Club Mastercard provides the following benefits:

  • Free Credit Score
  • Extended Warranty Protection
  • Zero fraud liability
  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Sam's Club Mastercard?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.

Sam's Club Mastercard has a variable purchase APR that ranges from 16.40% up to 24.40%. It also has a variable cash advance APR that ranges from 22.15% up to 28.15%.

Does Sam's Club Mastercard have an introductory APR offer on balance transfers?

No, Sam's Club Mastercard does not come with an introductory APR offer for balance transfers.

Does Sam's Club Mastercard have an introductory APR offer on new purchases?

Sam's Club Mastercard does not offer an introductory rate on new purchases.
Sam's Club Mastercard Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Sam's Club Mastercard?

The following fees apply to Sam's Club Mastercard:

Sam's Club Mastercard Fees
Fees Amount
Annual Fee $55
Foreign Transaction Fee 0%
Late Payment Fee up to $38

Does Sam's Club Mastercard have a foreign transaction fee?

Sam's Club Mastercard does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Does Sam's Club Mastercard report your account activity to credit bureaus?

Sam's Club Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Sam's Club Mastercard

  • Visit the Sam's Club Mastercard website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Every Purchase (Points) 3% cash back on dining & travel. 5% cash back on gas. (on the first $6000 per year)
Foreign Currency Transaction Fee 0%
No Annual Fee  
No Foreign Transaction Fee  
No Interest Grace Period for Late Payment 23 days
Paper Statement Fee $0
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $5
Annual Fee $55
Minimum Interest Charge $2
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 580 - 850
Card Type
  • Bonus Offers
  • Cashback
  • Gas
  • Rewards
  • Store Card
  • Travel
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Extended Warranty  
Credit Card Benefits
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Purchase Protection
Free FICO Score  
Bonus Rewards Get $45 back paid as a statement credit when you open and account and spend $45.
Annual Maximum 5,000
Rewards Rates
  • Airfare
  • Every Purchase
  • Gas
  • Restaurants
  • Warehouse Clubs Purchases
Signup Bonus $45
Rewards Type Cash Back
Cash Advance APR (Variable APR) 22.15% - 28.15%
Purchase APR (Variable APR) 16.40% - 24.40%

Sam's Club Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

-100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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