Apply for Sam’s Club Card – Explore All Options



Sam’s Club is a wholesale club that offers deals on electronics, groceries, and more. A Sam’s Club card doubles as your membership card. If you qualify for the Sam’s Club Mastercard, you can earn cash back rewards on all your purchases. To qualify for a store card, you need a good credit score, which means a credit score of about 700 or higher. Sam’s Club cards are issued by Synchrony Bank.

Apply for Sam’s Club Card Online

It’s easy to apply for Sam’s Club card online.

  1. First, visit their website at
  2. Click on the green arrow in the upper right-hand corner next to the words “Apply Now.”
  3. Next, you will need to sign into your account. If you haven’t registered for a account, enter your membership number and zip code on the right side of the page. Click “Continue” to finish your registration.
  4. After you sign into your account, follow the prompts to finish your application. You will need to provide your personal information, including your date of birth. You may also need to provide basic financial information such as your annual income.
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Other Ways to Apply for Sam’s Club Card

You can also complete a Sam’s Club credit card application by visiting your local Sam’s Club location. Go to the service desk and let them know you’d like to complete a credit card application.

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Sam’s Club Rewards Program

The basic Sam’s Club store card doesn’t offer any rewards. It does offer convenient online payment options that you can use at Walmart. The Sam’s Club Mastercard gives 5 percent back on gas, 3 percent cash back on travel and dining purchases, and 1 percent cash back on all your other purchases.

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Sam’s Club Card FAQs

How do I get my rewards?
Your cash back rewards are issued by check once per year. You can cash or redeem the check at any Sam’s Club location.

Is there an annual fee?
There is no annual fee for a Sam’s Club credit card.

Is there a late fee?
There is a late fee of up to $40 if your payment is received after the due date.

What’s the APR for a Sam’s Club card?
The APR for a Sam’s Club card ranges from 17.90 percent to 25.90 percent depending on your creditworthiness. The APR is variable based on the Prime Rate.

Is there a fee for foreign transactions?
If you have a Sam’s Club Mastercard, you can use it in other countries without a foreign transaction fee.

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Sam’s Club Card Reviews

Sam’s Club card reviews are mixed. Cardholders like the 5 percent cash back on gas but aren’t impressed by the 1 percent cash back on other purchases. Several cardholders have complaints about Synchrony Bank’s customer service. Although the gas savings are helpful, some users point out that other rewards cards offer better rewards on a wider range of purchases.

Rewards Program
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