Sam's Club Mastercard Reviews (Oct. 2020) | Personal Credit Cards

Highlights
Community Rating	Rating not yet determined
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

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 14.9% up to 22.9%.
No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
$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 purchase protection, and fraud protection.
Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.

Sam's Club Mastercard Pros & Cons

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. 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.

Sam's Club Mastercard FAQ

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:

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 lower than average purchase 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 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	$0
Foreign Transaction Fee	0%
Late Payment Fee	up to $40

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.

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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

Headquarters
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807
(866) 226-5638
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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)

Sam's Club Mastercard Community Reviews

Would you recommend Sam's Club Mastercard to your friends?

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) Payroll Check or Prepaid Card 1099 Misc. Income Tax Returns
Military Status	Active Duty Military Non-Military Veterans Military Dependent
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	650 - 850 850 300 650

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

Card Type	Rewards Cashback Travel Store Card Bonus Offers Gas
Card Network	Mastercard

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Sam's Club Mastercard

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