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Sam’s Club Credit Card

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The Sam’s Club Credit Card offers no rewards, but doubles as your membership card. This card can only be used at Sam’s Club and Walmart, and you’ll need to be a Sam’s Club member to apply.

Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 16.40%–24.40% Variable

Sam’s Club Credit Card

Our rating
Good Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features


Introductory Bonus
  • $45 statement credit after spending $45 online on same day of account approval

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee See Terms
Returned Payment Fee See Terms
Additional Cards Annual Fee N/A
Foreign Transaction Fee N/A
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR N/A
Cash Advance Fee See Terms
How to Get a Cash Advance with a Credit Card
Sam’s Club Credit Card


  • No annual fee aside from the Sam’s Club membership fee
  • Get a $45 statement credit if you open your account online and make a $45 purchase at on the same day
  • This card doubles as your membership card


Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

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The Sam’s Club Credit Card can only be used at Sam’s Club or Walmart, but doesn’t really provide any benefits or rewards. This card doubles as your Sam’s Club membership card.

Aside from the annual Sam’s Club membership fee required to apply, this card has no annual fee.

If you’re looking for a similar but more rewarding card you can use anywhere, check out the Sam’s Club® Mastercard®.

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