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.

• Generous reward rate. You will get a a rewards rate of up to 5x.
• Up to a rewards rate of up to 5x.
• Signup bonus. Offers a signup bonus of $45 if you spend $45.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.15% up to 25.15%.
• $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.

The Good	The Bad
Doubles as Sam's Club membership card. High 5% cash back rewards for gas purchases. Multiple credit card perks. Considers applicants with fair or poor credit. No foreign transaction fee. Earn rewards on every purchase. Sam's Club Mastercard reports to multiple credit bureaus. Cardholders can earn rewards on their purchases. Extended warranty on purchases. Free access to your credit score.	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. Higher than average purchase APRs. Charges an annual fee of up to $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.

Sam's Club Mastercard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	5%
Annual rewards limit	5000
Signup Bonus ($)	$45
Signup Bonus Spend Requirement	$45

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 higher than average purchase APRs.

Sam's Club Mastercard has a variable purchase APR that ranges from 17.15% up to 25.15%. It also has a variable cash advance APR that ranges from 22.15% up to 28.15%.

What are the Sam's Club Mastercard fees?

The following fees apply to Sam's Club Mastercard:

Sam's Club Mastercard Fees

Fees	Amount
Annual Fee	up to $55
Foreign Transaction Fee	0%
Late Payment Fee	up to $38

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 score.

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.