Sam’S Wholesale Club Credit Card

Sam’s Club Credit Card Overview & FAQ

Sam’s Club MasterCard offers Sam’s Cash when used in club or online. Sam’s Cash earned during a reward period will be issued monthly and automatically loaded onto your Sam’s Club membership. Once available, redeem it for most online or club purchases or redeem it for cash in your local club.

How do I apply for the Sam’s Club Credit Card?

Apply at www.samsclub.com/credit or by visiting the Member Services Desk in any club.

What’s required to apply for the Sam’s Credit Card?

Must be a current Sam’s Club Member
Must have a valid, physical U.S. mailing address
Apply in the club or at www.samsclub.com/credit

Where can I use my Sam’s Club Credit Card?

Use your Sam’s Club Mastercard anywhere that Mastercard is accepted.

How do I pay my credit card bill?

If unsure which card you have, reference your physical card and select the login that matches your card or select the card type option from the login screen.

Pay Online: Sign in or create an online account at https://samsclub.syf.com/accounts/login . For help, see pay Sam’s Club credit card online

Pay by Phone: Pay by phone by calling the number on the back of your card.

Pay by Mail: The address is located on the payment stub of your billing statement. You can also receive this info by calling the number on the back of your card and will also have the option to make your payment over the phone.

NOTE: Payments are usually posted to the account same day. Although payments “post” to the account, payments made by check will take 7-14 days to process and free up the open-to-buy. If you pay using cash or debit card, your open-to-buy is available immediately.

Can I pay my credit card bill at th e club?

Credit card payments are no longer accepted at the Membership Desk.

What is Autobill?

Autobill is added to all Sam’s Club credit accounts as a convenience for our members.

By automatically billing and renewing membership fees, you never have to worry about your membership expiring.

Sam’S Wholesale Club Credit Card

January 27, 2021, 8:05 AM EST

NEW SAM’S CLUB MASTERCARD REWARDS PROGRAM BY SYNCHRONY UNLOCKS ADDITIONAL VALUE ON SAM’S CLUB PURCHASES

NEW SAM’S CLUB MASTERCARD REWARDS PROGRAM BY SYNCHRONY UNLOCKS ADDITIONAL VALUE ON SAM’S CLUB PURCHASES

Sam’s Club Plus Members Get Rewarded Twice When They Shop In-Club

Sam’s Club, Synchrony, and Mastercard will give Plus members a total of up to 5% back on eligible Sam’s Club purchases.

Here’s how it works: Plus members using their Sam’s Club Mastercard earn 3% back on purchases in-club; they earn an additional 2% back from their Plus membership for a total of up to 5%. (Each program is independently operated and managed*). That is more value than any other credit card can consistently offer at Sam’s Club. For Plus members looking to make their money go further, there’s no better credit card in the market today.

Cardmembers can take advantage of these new benefits and features:

• More value: 3 + 2 = 5:Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases.
• Savings: For everyday eligible purchases, the credit card offers an industry leading 5% cash back on fuel anywhere (up to $6,000), 3% cash back on dining and takeout, and 1% cash back on all other eligible purchases.
• Less contact: As consumers look for ways to transact without touching cash, cards, or keypads, Synchrony has enabled Sam’s Club with contact-free technology, including the integration of payments capabilities into Sam’s Club Scan & Go patented solution, both in-club and at the pump.
• Mobile first: Sam’s Club cardholders can easily make purchases, track spending, check and pay balances, and securely manage and freeze accounts via the Sam’s Club mobile app enabled by the Synchrony plug-in (‘SyPi’).
• Digitized rewards: No more paper checks! Rewards are automatically loaded onto membership cards and can be used for future purchases made both online and in club, or exchanged for cash back.
• Applying made easy: Members can apply for the Sam’s Club Mastercard in club and via digital channels including the member service desk, at the point of sale (including Scan & Go), the Sam’s Club mobile app, SamsClub.com, via text message, and self-checkout enabled with Synchrony’s patent-pending dApply technology, API’s, and the Synchrony plug-in (‘SyPi’).

“We are always looking for ways to give our members a better experience, including ways to help them save money and earn rewards. This new Sam’s Club Mastercard rewards program builds upon Sam’s Club as an essential business during the pandemic where we saw sales increasing by millions of transactions per week. Now more than ever, our members need savings. They now have a new tool in their toolkit to make their money go further,” said Tony Rogers, senior vice president and chief member officer, Sam’s Club.

“The new Sam’s Club Mastercard rewards program is for members who want to make the most out of every club visit – just by buying things they need to purchase every day,” said Tom Quindlen, executive vice president and CEO of Retail Card, Synchrony. “Our nearly three-decade relationship rooted in co-innovation, continues to help provide cardholders with the benefits they deserve and the products they need.”

“Mastercard believes in putting the customer at the center and helping them find the most value in the products and services they use every day,” said Kush Saxena, executive vice president, U.S. Merchants and Acceptance, Mastercard. “The Sam’s Club Mastercard rewards program provides a competitive value proposition, unlocking the expanded benefits and instant savings consumers deserve on their everyday spend needs.”

Cardholders can access rewards digitally each February. The rewards can be received as cash back and can be used in any Sam’s Club in the U.S or online.

New cardholder benefits go into effect Jan. 27, 2021. The new credit card design will become available in March 2021.

About Synchrony

Synchrony is changing what’s possible through our digital capabilities, deep industry expertise, actionable data insights, frictionless customer experience and customized financing solutions.

For more information, visit www.synchrony.com and Twitter: @Synchrony.

About Mastercard (NYSE: MA)

Footnotes:

***Rewards are subject to each program’s terms, including different maximum rewards and payout dates. Learn more at SamsClub.com/Credit and SamsClub.com/Terms.

Media Contacts:

Meggan Kring
Sam’s Club Corporate Communications
515-710-6692
[email protected]

Nicole Ward
AVP, external relations, Synchrony
203-564-6938
@NWardsays
[email protected]

Margaret Williams
Mastercard Communications
914-249-2926
[email protected]

How can I get a Sam’s Club Credit Card cash advance?

It’s important to note that a Sam’s Club® Credit Card cash advance is a very expensive transaction. For starters, there’s a cash advance fee of 3% (min $5). There’s also a cash advance APR of 25.90% – 31.90% (V) that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.

This answer was last updated on 03/21/25 and it was first published on 11/22/23. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Popular Credit Cards from Our Partners

Rates & Fees

Costco Anywhere Visa® Card by Citi LEARN MORE LEARN MORE LEARN MORE

Rates & Fees

Wells Fargo Active Cash® Card LEARN MORE LEARN MORE LEARN MORE

Blue Cash Everyday® Card from American Express LEARN MORE LEARN MORE LEARN MORE

Rates & Fees

Chase Freedom Unlimited® LEARN MORE LEARN MORE LEARN MORE

People also ask

Where can I get a Synchrony Bank credit card cash advance?

If you have a Synchrony Bank credit card with a Visa or Mastercard logo, you can get a cash advance by using your card and PIN at any ATM that accepts Visa or Mastercard cards. Just keep in mind that you may have to pay an ATM fee for each cash advance transaction.

Alternatively, you can get a cash advance at any bank or credit union that offers advances on the Visa or Mastercard networks. For this option.

What is a credit card cash advance limit?

A credit card cash advance limit is the maximum amount you can withdraw from the card’s full credit line as a cash advance. Cash advance limits often range from around 5% to 30% of your credit card limit, according to online reports, though the percentage can vary based on the card issuer.

The cash advance limit is also called cash credit line or cash access line, depending on the card issuer. They all refer to the.

What credit cards can I get with no cash advance fees and a low APR?

There are very few credit cards that have no cash advance fees and low APRs, the best of which is the PenFed Platinum Rewards card. This card has a 0% cash advance fee and a cash advance APR of 17.99%. The regular APR is 17.99% (V). In addition, the card also offers 1 – 5 points per $1 on purchases.

Here are some good credit cards with no cash advance fees and low APRs:

• Overall

Overall

Overall

No minimum deposit required

No minimum deposit required

No minimum deposit required

Secured

Secured

Secured

It is worth noting that.

Did we answer your question?

Important Disclosures

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.

Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub’s editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.

WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted.

Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

* The information about the following cards has been independently collected by WalletHub: DCU Visa® Platinum Secured Credit Card, Secured Chime® Credit Builder Visa® Credit Card, PenFed Platinum Rewards Visa Signature® Card, and Sam’s Club® Credit Card.