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Sam's Club® Credit Card review

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Get special financing options on eligible Sam’s Club purchases.

  • Get this card if you are a Sam’s Club member and looking for additional benefits.
  • 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.


Welcome offer


Annual fee

16.4% to 24.4%

Purchase APR (variable)


Recommended credit score


Product NameSam's Club® Credit Card
Card typeStore card
Annual fee$0
Purchase APR16.4% to 24.4% variable
Balance transfer APRN/A
Late payment feeUp to $38
Rates & feesrates & fees

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

Consider the Sam's Club® Credit Card if you’re a Sam’s Club member who has a hard time paying off your balance on time. The card gives you special financing options to pay for purchases in up to 48 months without interest. In addition, you can get cash advances at the store and earn a small signup bonus.

Note that you can only use the card at Sam’s Club and Walmart locations.

How to apply for Sam's Club® Credit Card

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

  1. Locate the Sam's Club® Credit Card on the website.
  2. Click Apply now.
  3. Sign in to your account or register for an account with your membership number and zip code.
  4. Fill out the application form.
  5. 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 and spend $45 or more at the same day you open your account. You’ll then get a $45 statement credit bonus.
  • Special financing options.
    Get special financing options for certain transactions. You can get 0% promotional interest between 6 and 48 months to pay for your purchases. There are two types of financing options: No interest and No interest if paid in full. A variable purchase APR of will apply to any remaining balance after the promotional interest period.
  • Cash access at the store’s registers.
    Get up to $100 cash in cash access at any Sam’s Club or Walmart register by being a cardholder. You can get the cash advance in $20 increments but you are limited to one cash advance per day. This means you can get $40 one day and $20 another day, but once you reach $100, you can’t take other cash advances until you pay them off.
  • 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.

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®.
  • You must pay your balance in full if using special financing.
    If you have an outstanding balance after the No interest if paid in full promotional period expires, you’ll accrue interest starting from the moment you made the purchase. This can be hundreds or thousands of dollars in interest, so make sure you pay off your balance on time.
  • High APR.
    Unlike other cards where you can get lower APR based on your creditworthiness, with this card, everyone gets equal APR of 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.
  • No rewards.
    If you’re looking to earn cash back or points, look for other alternatives.

Compare store credit cards

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Bottom line

If you’re a Sam’s Club member and you want to get special financing options for purchases made 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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