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RATING

Sam’s Club® Mastercard®

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You’ll need to be a Sam’s Club member in order to apply, and if accepted this card will double as your Sam’s Club membership card. When you earn cash back, you won’t get a check for your earnings until February the following year.

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Our rating
Min. credit level: Fair
Annual Fee: $0
Regular APR: 16.65%–24.65% Variable

Sam’s Club® Mastercard®

Our rating
Fair Min. credit level
$0 Annual Fee
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Highlights & Features

Rewards

Spending Rewards
  • 5% cash back for Gas in the U.S. and Puerto Rico, including gas at Sam’s Club (up to $6,000 spent per year)
  • 3% cash back for:
    • Dining
    • Travel
  • 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

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

Fees

Penalty APR N/A
Late Fee Up to $35
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee None
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 16.65%–24.65% Variable
Cash Advance Fee 3%, $5 minimum
How to Get a Cash Advance with a Credit Card
Sam’s Club® Mastercard®

Highlights

  • 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
ABOUT THE ISSUER

Synchrony

Synchrony has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-866-220-0254 or

Try a different phone number
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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.

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