
Sam's Club Mastercard
Would you recommend Sam's Club Mastercard to your friends?
Community Rating | Mostly not recommended |
Purchase APR (Variable APR) | 14.9% - 22.9% |
Balance Transfer APR (Variable APR) | 14.9% - 22.9% |
Credit Score Range | 650 - 850 |
Annual Fee | $0 |
Number of Reviews | 8 |
Sam's Club Mastercard Review
This is a store cashback card issued by Synchrony Bank. If you're wondering whether Sam's Club credit card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of up to $45 if you spend $45.
- Competitive APRs. Sam's Club Mastercard has a variable purchase APR that ranges from 14.9% up to 22.9%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase protection, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Sam's Club credit card
The Good | The Bad |
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Sam's Club credit card FAQ
Does Sam's Club credit card have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
Minimum rewards rate | 1x |
Max rewards rate | 5x |
Annual rewards limit | 5000 |
Signup Bonus ($) | Starting at $45 |
Signup Bonus Spend Requirement | $45 |
Does Sam's Club credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $45 after spending $45.
Does Sam's Club credit card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Sam's Club credit card benefits?
It provides the following benefits:
- Free Credit Score
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Sam's Club credit card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Sam's Club Mastercard has a variable purchase APR that ranges from 14.9% up to 22.9%. The card has a variable balance transfer APR that ranges from 14.9% up to 22.9%. It also has a variable cash advance APR that ranges from 19.9% up to 25.9%.
Does Sam's Club credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Sam's Club credit card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Sam's Club credit card?
The following fees apply:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 0% |
Late Payment Fee | up to $40 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Sam's Club credit card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Sam's Club credit card?
The Sam's Club credit card customer service number is (866) 226-5638.
What is the support contact email for Sam's Club credit card?
The support contact email for Sam's Club credit card is customer.service@mail.synchronybank.com.
What is the Sam's Club credit card login page?
You can access the Sam's Club credit card login page here.
How do people rate the customer service and user experience of Sam's Club credit card?
Overall, Sam's Club credit card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Sam's Club Mastercard report your account activity to credit bureaus?
Yes, 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 may help improve your credit.
How to apply for Sam's Club credit card
- Visit the Sam's Club credit card 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807 USA - (866) 226-5638
- Visit Site
- Email Support
Other Services by Synchrony Bank
Other Credit Cards by Synchrony Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- 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
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $5 |
Cash Advance Fee (%) | Starting at 3% |
Minimum Cash Advance Fee ($) | Starting at $5 |
Foreign Currency Transaction Fee | 0% |
No Annual Fee | |
No Foreign Transaction Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $2 |
No Interest Grace Period for Late Payment | 23 days |
Paper Statement Fee | $0 |
Late Fee Amount | Up to $40 |
Sam's Club Mastercard Community Reviews
Would you recommend Sam's Club Mastercard to your friends?
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