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Sam's Club® Credit Card review

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A revolving line of credit to use for Sam’s Club purchases.

  • Get this card if you are a Sam’s Club member and looking for a line of credit to use exclusively at the store.
  • Pick something else if you want a more universal card or want to earn rewards.
  • Apply with a Sam’s Club membership and a fair credit score of 580 or higher.

$30

Welcome offer

$0

Annual fee

22.9%

Purchase APR (variable)

580

Recommended credit score

Details

Annual fee$0
Welcome Offer$30 when you open your account online and spend $30 or more at SamsClub.com within the first 30 days
RewardsN/A
Purchase APR22.9% variable
Balance transfer APRN/A
Recommended minimum credit score580
IssuerStore card

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Sam's Club® Credit Card is designed to offer a line of credit to frequent Sam’s Club shoppers who have at least a fair credit score of 580 or higher.

To apply for the card, you have to be a Sam’s Club member, which costs $30 annually for Basic membership. You can offset $30 of the annual fee for one year with the card’s signup bonus. All you have to do is spend $30 in the first 30 days of card membership to earn the bonus.

Another way to offset the annual fee is to upgrade to Plus membership for a $100 annual fee. This lets you earn 2% cash back on Sam’s Club purchases on up to $500 back in a 12-month period. To cover the $100 annual fee, you need to spend $5,000 each year. Everything you spend above that is a pure reward in your account. This isn’t directly related to the Sam's Club® Credit Card, but since you need to be a member before you apply, getting the Plus membership may be the better option.

The major Sam's Club® Credit Card‘s drawback is that you can only use the card at Sam’s Club and Walmart locations — both owned by Walmart Inc. If you have a good credit score of at least 680 and you want to earn cash back at Sam’s Club and outside the store on gas and dining purchases, the Sam’s Club® Mastercard® is the card to go with.

How to apply for Sam's Club® Credit Card

Before you apply for the card, you need to have a SamsClub.com membership. Once you do:

  1. Click Apply now.
  2. Sign in to your account or register for an account with your membership number and zip code.
  3. Fill out the application form.
  4. Review the form and submit.

What credit score do I need?

You’ll need a fair credit score of 580 or higher for the best chance of approval.

Card benefits

  • Signup bonus. Open your account at SamsClub.com and spend $30 or more at SamsClub.com within the first 30 days when you open your account. You’ll then get a $30 statement credit bonus.
  • Acts as your club membership card. You don’t need a membership card if you have the Sam's Club® Credit Card with you at the store.
  • No annual fee. You won’t pay an annual fee for the life of the card, but you will need to have a Sam’s Club membership.

What to watch out for

  • Store card. You can only use the card at Sam’s Club and Walmart locations. If you want a more universal credit card, consider the Sam’s Club® Mastercard®.
  • High APR. Unlike other cards where you can get lower APR based on your creditworthiness, with this card, everyone gets equal APR of 22.9% variable. But you can avoid paying interest with timely payments.
  • Membership fee. The card comes with no annual fee, but you need to pay for a Sam’s Club membership before you can apply for it, which costs $45 annually for basic membership.
  • No rewards. If you’re looking to earn cash back or points, look for other alternatives.

Compare Sam's Club® Credit Card with two similar cards

Below you can see how this card’s rewards and features stack up against two other rewards credit cards.

Costco Anywhere Visa® Card by Citi

★★★★★

Finder Rating: 3.6 / 5

Go to site

Minimum credit score

740

Annual fee

$0

Purchase APR

15.24% variable

Balance transfer APR

15.24% variable

Rewards

4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases

Welcome offer

N/A

Sam’s Club® Mastercard®

★★★★★

Finder Rating: 3.8 / 5

Rates & fees
Go to site

Minimum credit score

670

Annual fee

$0

Purchase APR

14.9% to 22.9% variable

Balance transfer APR

14.9% to 22.9% variable

Rewards

Up to 5% at Sam's Club with Plus membership, 5% cash back on gas (on up to $6,000 annually, then 1%), 3% on dining and 1% on all other purchases

Welcome offer

Get a $30 statement credit when you open a new account and make $30 in Sam's Club purchases
within 30 days.

How is this card different from the Sam’s Club® Mastercard® version?

The Sam's Club® Credit Card differs in many ways from the Sam’s Club® Mastercard®. For one, you don’t earn any rewards with the first, while you earn up to 5% cash back on select categories with the Mastercard version.

The second major difference is where you can use the card. The Sam's Club® Credit Card is only accepted at Sam’s Club and Walmart locations, while the Sam’s Club® Mastercard® is accepted everywhere where plastic is an accepted payment method.

Bottom line

If you’re a Sam’s Club member and you want a credit card to use at the store, this could be a card worth considering.

But if you don’t find this card appealing, check out other store credit cards or credit-building cards and compare your options.

Frequently asked questions

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