Sam’s Club® Mastercard®


For People with
Fair Credit

REVIEWS

Reviews

The Sam’s Club® Mastercard® provides a number of benefits, including several reward categories (5% for gas) and a number of shopping and travel perks. You must be a Sam’s Club member to use this card, which will also be your membership card. Sam’s Club also offers a business version of this card, the Sam's Club Business Mastercard.

Consider a Different Card

You may be able to get better rewards value and customer service with a different card. Check out our favorite cash back credit cards instead. Or, browse all our best credit card picks.

Manage Your Account

Log in or to check your balance or pay your bill on the Sam’s Club Mastercard website.

Redeeming Rewards: The cash back you earn during a calendar year is sent as a check with your statement the following February each year.

Where can I use my Sam’s Club® Mastercard®?

This card can be used anywhere MasterCard credit cards are accepted, which is pretty much anywhere credit cards are accepted.

Card Quick Facts

Card Quick Facts

  • 5% cash back for gas in the U.S. and Puerto Rico, including gas at Sam’s Club; only on the first $6,000 per year, then 1%
  • 3% cash back for dining and travel expenses
  • 1% cash back on all other purchases
  • Get a $45 statement credit if you open your account online and make a $45 purchase at samsclub.com on the same day
  • Cap of $5,000 in cash back rewards per year

For People with
Fair Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

  • 5% cash back for gas in the U.S. and Puerto Rico, including gas at Sam’s Club; for the first $6,000 spent per year, then 1%
  • 3% cash back for dining and travel expenses
  • 1% cash back on all other purchases
  • Cap of $5,000 in cash back rewards per year

Introductory Bonus

  • $45 statement credit when you spend $45 or more at samsclub.com, the same day you open your account online
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 14.90%-22.90% (Variable)
Intro Purchase APR -
Foreign Transaction Fee None
Chip Technology Chip-and-Signature
Minimum Credit Limit -
Maximum Credit Limit -
Free Credit Score No
Penalty APR None
Late Fee Up to $35
Returned Payment Fee -
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee -
Cash Advances

Cash Advances

Cash Advance APR -
Cash Advance Fee 3%; Min:$5

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 4 reviews
by Linda Smith
Worst credit card ever!!

I had a 0 balance on my card,then received a new bill with a charge for $22.00. I called to dispute! I spoke to Leo.Who said, don't worry Ms. Smith I'll remove the charge and issue a new card. I was hacked. This was not my charge! Then received anther bill with a late fee!!! And never a new card. Now,as a result of a charge I thought was cleared up......that I didn't-don't owe! I'm in collection!! They have ruined my great credit!!!!! Worse card ever! Don't sign up for this one......you can't get a rep from the U. S. I had to ask for one because I couldn't understand the overseas guy! And he lied to me......saying he/they would not remove charge because I had too many disputes......it was the only one! He put me on hold,and said fraud dept. wouldn't talk to me and that their were other charges pending! After speaking with Leo in the U.S. I found this not to be true! the first rep didn't even call fraud dept and their were no other charges pending!! Liar!! Ms. Smith

by Annette Nelson
Horrible service

I called to let you know I was traveling to Ireland and Norway to ensure I had no trouble using my card. I pay my bill in full every month. I tried to use my card in Ireland and it was declined. You can take this card and shove it. When I am back in the states I will cancel my card. I will never do business with you again. I have never been so embarked in my life.

by Phyllis
worst experience

After advising the credit card company about out of country travel, they said "no problem", as soon I tried to use the card they locked it. Made telephone call to unlock they refused. I gave all personal info and more. They had the nerve to ask for a video of myself. I was left without a credit card in a foreign country. When I got back I still had a difficult time to get it unlocked. Terrible service, do not recommend.

by Marilyn Arrington

Good

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