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)
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Balance Transfer APR (Variable APR)
14.9% - 22.9%(Verified 06/21/2024)
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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
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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? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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.
What is the login page for Sam's Club credit card?
You can access the login page of Sam's Club credit card here.
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.
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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.
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