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Sam’s Club® Mastercard® review
Last updated:
Two credit cards for Sam's Club regulars.
- Get these cards if you often shop at Sam’s Club.
- Pick something else if you want an intro APR period and a better signup bonus.
- Apply if you have a fair to good credit score of 580 or higher.
$45
Welcome offer
Up to 5%
Cash back
$0
Annual fee
16.4% to 24.4%
Purchase APR (variable)
Details
| Product Name | Sam’s Club® Mastercard® |
|---|---|
| Card type | Mastercard |
| Annual fee | $0 |
| Purchase APR | 14.9% to 22.9% variable |
| Balance transfer APR | N/A |
| Cash advance rate | 16.65% to 24.65% variable |
| Cash advance fee | $5 or 3% of the cash advance amount, whichever is greater |
| Foreign transaction fee | None |
| Interest free period | Up to 23 days |
| Late payment fee | Up to $38 |
| Rates & fees | rates & fees |
Expert review
Review by
Kliment Dukovski
kliment.dukovski@findercrew.comKliment 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
If you have a Sam’s Club membership and want additional benefits for purchases made at the store, consider applying for a Sam’s Club® credit card.
There are two Sam’s Club® credit cards:
- Sam's Club® Credit Card. This is a store card for use at Sam’s Club.
- Sam’s Club® Mastercard®. This is a standard credit card that lets you earn accelerated cash back on gas purchases, travel and dining.
Unfortunately, you can’t choose which card to apply for — Sam’s Club determines which of the two cards you’re eligible for based on your credit score.
Card benefits
| Cash back |  |
|
| Signup bonus | $45 statement credit when you apply online and make a purchase of $45 or more on the same day | $55 statement credit when you apply online and make a purchase of $55 or more on the same day |
| Cash advance at Sam’s Club or Walmart register | Up to $100, subject to cash advance APR of to variable. | Up to $100, subject to cash advance APR of to variable. |
| No annual fee |  |
|
| Acts as a membership card | |
|
| Can use outside Sam’s Club and Walmart for purchases | |
|
What to watch out for
Sam's Club® Credit Card
-
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. Annual membership costs $45, which you can offset with the signup bonus for the first year. -
Store card.
You can only use the card at Sam’s Club and Walmart locations. -
No rewards.
If you’re looking to earn cash back or points, look for other alternatives.
Sam’s Club® Mastercard®
-
Membership fee.
The Sam’s Club® Mastercard® is only available to Sam’s Club members, which starts at a $45 annual membership fee. However, you can offset your first year’s fee with the current signup bonus. -
Limited redemption options.
Redeem your earnings as cash or for Sam’s Club credits. -
Maximum cash back limit.
You can earn a maximum of $5,000 cash back. But that’s still too high for most cardmembers as you’ll need to spend six figures annually to reach it. -
You can redeem only once annually.
Sam’s Club lets you redeem your rewards only in February for the rewards earned during the previous calenedar year. -
No intro APR period.
You won’t get to save money on interest on your purchases with an intro APR period.
Save more at Sam’s Club
Offering bulk discounts, Sam’s Club virtually always has a deal. But if you’re looking for sales on big-ticket items, consider holding off until holiday sales hit in November, or shop the Shocking Values section of its website to score ultra-low prices on everything from TVs to robotic vacuums.
If there’s not a sales event at the moment, you can still snag a coupon or special perk to keep some extra change in your pocket.
$30 off FitBit Bundles T&Cs apply. Last verified
Sam's Club
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Bottom line
The two Sam’s Club® credit cards could be worth considering if you’re a Sam’s Club member who wants a card to use at the store or potentially earn cash back on purchases.
As an alternative, other gas reward credit cards or store credit cards could offer you the same rewards rate without annual or membership fees.
Frequently asked questions
-
What counts as a travel purchase?
This includes categories such as airlines, hotels, timeshares, car rentals, rail travel, bus lines, cruise lines, travel agencies, travel sites and tour operators. -
What counts as a dining purchase?
Merchants categorized as restaurants, drinking places, fast food places and caterers count as a dining purchase. -
Can I earn 5% cash back at all gas stations in the US?
No. Gas stations at wholesale clubs, certain supercenters and supermarkets aren’t eligible for accelerated cash back. -
When will I receive the signup bonus?
Your signup bonus credit should land in your account in up to 90 days after you made the qualifying purchase.