Last Updated: 07/28/2025
SuperMoney User Recommendation Score -50
Mostly not recommended8 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
14.9% - 22.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.9% - 22.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
650 - 850
Annual Fee
$0
Number of Reviews
Sam's Club Mastercard Review
This 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.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of up to $45.
- APRs: Sam's Club Mastercard has a variable regular 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 eligible 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.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Sam's Club credit card
| The Good | The Bad |
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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.
| Description |
Does Sam's Club credit card have a signup bonus?
Yes, it offers card users a signup bonus worth up to $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?
Sam's Club Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular 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 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 customer service number for Sam's Club credit card 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 to the following credit bureaus:
- 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 build your credit.
Does Synchrony Bank perform a hard credit pull?
Yes, Sam's Club credit card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Sam's Club credit card
- Visit the website of Sam's Club credit card.
- 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.
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
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Other Credit Cards from Synchrony Bank
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
25.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
27.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
400 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
17.99% - 26.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$0
Purchase APR
Up to 29.99%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
650 - 850
300
850
Annual Fee
N/A
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -50, or 2 on a 5-point rating scale.
-50
-1000+100
No one recommends
Everyone recommends
Sam's Club Mastercard Community Reviews
Would you recommend Sam's Club Mastercard to your friends?
JR
Joseph R.
Jul 31, 2023
May or may not recommend
Sams Club employees always decline information on
Master questions.
Master holding check for 4100.$ towards balance 16 days
Never experienced this from any company
Will stop and never use again
Customer reps admit company doesn’t care Wow
I wish feds will sue them
All I can do is take my $ and business somewhere else
U
Anonymous
Jul 11, 2022
May or may not recommend
They mailed my card to the wrong address. I made several calls and faxed a request to change address and send my statement. Bal. now due and no statement. They would not email statement because I have not set up online account. I Can not set up online account without authorization code that's on my first statement. Automated phone system said no bal. due when there is a bal. due. ...Show More
CD
Cathy D.
Jun 28, 2022
May or may not recommend
The day we received Our Synchrony Bank Sam's Club Plus Mastercard we ATTEMPTED to make a purchase after activating our Cards which as we were completing the first transaction the card had been blocked by Synchrony Bank due to "Suspicious and Fraudulent behavior". Hubby called and was asked to scan a copy of his ID front and back and e-mail the copy to the Synchrony he did.. Block lifted.. Hubby ...Show More
BM
Brian M.
Jan 16, 2022
May or may not recommend
Synchrony Bank is terrible to deal with! They made a mistake on my card and after three attempts to get it corrected I finally just had them close the card. Their customer service, both on line and in person, is horrible; steps to correct their error were cumbersome and did not work.
Sams clearly didn’t do their homework before selecting this subpar bank.
Find a more professional bank and stay away ...Show More
MC
Maria C.
Jun 13, 2021
May or may not recommend
My husband wanted to use the card for a $2000 purchase and was declined. This amount is under our limit but it was denied. Why have a card is you can’t use it when you want.
TM
Thomas M.
Apr 25, 2021
May or may not recommend
Being a member of Sam's Club Mastercard as a Plus Membership really does add up nicely when you shopped at Sam's Club constantly and getting your gas there too. I always get my membership fee back, and more, each year through Cash Reward Membership Plus program.
Ethel Q.
Oct 26, 2020
May or may not recommend
I shop at sam club all the time, i would love to get a mastercard personal credit card.
Dennis K.
Apr 22, 2020
May or may not recommend
On April 15, 2020 during the height of the covid 19 global pandemic Synchrony Financial decided without warning or notice or good reason closed all 9 credit card accounts, total available credit about $73,000.00. I had about $150.00 total balance across all 9 card accounts total owed. I have never been late, no missed payments, I have a 7 year streak of 100 percent of all credit payments made on ...Show More
Showing 8 of 8 reviews
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