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.

This card has no annual or foreign transaction fees.

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 16.65%–24.65% 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 16.65%–24.65% Variable
Cash Advance Fee 3%, $5 minimum

Card Benefits

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

  • This Card Comes with MasterCard Benefits

    You will be provided with a list of benefits available to you once you get approved for your card.

  • Identity Theft Resolution Services

    Provides assistance if your identity is stolen.

  • Price Protection

    If you made a purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can get reimbursed the difference.

  • Extended Warranty

    You can get up to one extra year added to the original manufacturer’s warranty for items purchased with this card.

Visitor Reviews

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

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Average rating:  
 8 reviews
by L. P.
Hassle getting cash rewards in 2019

We have had the Sam's MasterCard for 5 years. We were always happy with the card and cash back rewards until this year. Previously, Synchrony Bank would mail a check once a year with our rewards. I could take the check into Sam's Club and then applied it to our account. In 2019, they changed it up and applied the rewards directly to our membership. Except - when I went to get my rewards (over $500) they can't seem to match the card to our Sam's membership account. They said they would have to issue a new card with a new number. That didn't help! So, after 4 trips to Sam's, 6 phone calls to Synchrony Bank, I still don't have our rewards. I’m still waiting for their promised call from a supervisor. I'm now looking for a new rewards card.

by Nate
Don't expect rewards

The bonus rewards (Gas/Travel/Dining)... don't expect them. I accrued 1000's of dollars in the travel category, but they gave me 1%. It doesn't work for the most well known travel agencies.. Air B&B, Homeaway, Expedia... stupid. Switching to Costco.

by Josh
Scumbags

I personally don't have a Sam's Club MasterCard, but an immediate family member does and I paid their monthly bill last month while they were in the hospital. For whatever reason, they declined my payment and that family member (who is now on the other side of the state in a long-term care facility) received a late fee notice for last month's payment this past week. Even though they declined the payment itself, Sam's Club still went ahead, processed the check, and withdrew the funds from my checking account! As far as I can tell, the money was not applied to my family member's account. I tried calling Sam's about the matter this AM, but since I'm not an authorized user on the card nor have PoA, the customer service rep refused to speak to me and immediately hung up. Obviously I'll need some help from a lawyer to handle the matter from here on out, but if you're reading this review and are considering an account with these guys....beware!

by Oleg M
Garbage - stay away

Out of sudden the card quit working. Called the support - they said I missed a payment in spite of I've made a payment a day after I received a notification from Synchrony, and my previous payment was a month ago. Two weeks - the card still doesn't work. Going to cancel that piece of garbage as soon as I collect my rewards.

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

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