Sam's Club Mastercard
in Personal Credit Cards from Synchrony Bank
Would you recommend Sam's Club Mastercard to your friends?
| Community Rating |
Rating not yet determined |
| 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 |
|---|---|
|
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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 $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.
| Rewards rate (all purchases) | 1% |
| Max rewards rate | 5% |
| Annual rewards limit | 5000 |
| Signup Bonus ($) | $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.| 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:
| 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.
Contact
- Headquarters
-
200 Crossing Blvd Suite 101
Bridgewater, NJ 08807 - (866) 226-5638
- Visit Site
Other Services by Synchrony Bank
Availability
- 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?
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