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  Sam's Club Mastercard

Sam's Club Mastercard

in Personal Credit Cards from Synchrony Bank

Claimed

Sam's Club Mastercard

Claimed

in Personal Credit Cards from Synchrony Bank

SuperMoney Net Recommendation Score -20

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -20, equating to 2.6 on a 5 point rating scale.

-20

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.

Mostly not recommended

2 users recommend
0 users are unsure
3 users don't recommend
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Highlights
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 5

Sam's Club Mastercard Review

This is a store cashback credit card issued by Synchrony Bank. If you're wondering whether Sam's Club credit card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Generous reward rate. You will get a cashback rewards rate of up to 5%.
  • 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 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 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.
  • Gas rewards. on eligible gas purchases.
  • 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
  • Doubles as Sam's Club membership card.
  • High 5% cash back rewards for gas purchases.
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Sam's Club Mastercard reports to multiple credit bureaus.
  • 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.
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.

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Sam's Club credit card Rewards
Minimum rewards rate 1x
Max rewards rate 5x
Annual rewards limit 5000
Signup Bonus ($) $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. It has lower than average regular APRs.

It 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:

Sam's Club credit card Fees
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.

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.

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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

Other Services by Synchrony Bank

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Availability

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

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
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
Minimum Interest Charge $2
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Free Credit Score
Annual Maximum 5,000
Rewards Categories
  • Cash Back on Airfare
  • Cash Back on Gas
  • Cash Back on Restaurants
  • Cash Back on Warehouse Clubs Purchases
  • Cash Back on Every Purchase
Signup Bonus Starting at $45
Cash Advance APR (Variable APR) 19.9% - 25.9%
Purchase APR (Variable APR) 14.9% - 22.9%
Balance Transfer Fee % After Intro Period Starting at 4%
Balance Transfer APR (Variable APR) 14.9% - 22.9%
Balance Transfer Fee Minimum $10
Card Type
  • Rewards
  • Cashback
  • Travel
  • Store Card
  • Gas
  • Bonus Offers
Card Network Mastercard

Sam's Club Mastercard Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -20, equating to 2.6 on a 5 point rating scale.

-20

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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