Sam's Club Mastercard Review

Sam's Club Mastercard is a store cashback credit card issued by Synchrony Bank. 

Good credit. This card is designed for people with good credit. The minimum credit score to apply is 690.

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.

Pros & Cons of Sam's Club Mastercard

Pros	Cons
Doubles as membership card. No annual fee or foreign transaction fee. High cash back rewards for gas purchases.	Must be a Sam's Club member to qualify. Total rewards are capped at $5000 per year. Rewards can only be redeemed once per year.

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	N/A
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
• Fraud Liability
• ID Theft Protection
• Reports to major credit bureaus

What are the relevant APRs for Sam's Club Mastercard?

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?

No Annual Fee. Sam's Club Mastercard does not charge an annual fee. No 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.

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 $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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

How to apply for Sam's Club Mastercard

• Visit the Synchrony Bank website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
• 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.