The Sam’s Club Credit Card lets you earn rewards while shopping at one of America’s largest warehouse clubs. With multiple ways to earn cash back and no annual fee, it’s a strong choice for loyal members.
The card comes in two forms: a store-only credit card and a Mastercard with broader benefits. In this article, you’ll learn how each card works and how to maximize your rewards.
Understanding the Sam’s Club Credit Card Options
Sam’s Club offers two types of cards tailored to different needs. Both are issued by Synchrony Bank and double as your membership card.
The Sam’s Club Credit Card is for in-club and Sam’s Club online use only. You can’t use it outside of the Sam’s ecosystem. The
Sam’s Club Mastercard is more versatile and accepted anywhere Mastercard is. Both options have no annual fee, but offer different levels of rewards.
How Does Sam’s Cash System Work?
Sam’s Cash is the reward currency you earn through purchases. You can redeem it for purchases online or in the club.
Plus Members get 2% back on eligible in-club purchases. When you add the Sam’s Club Mastercard, you can earn an additional 3%.
That totals up to 5% back on Sam’s Club purchases. Club members only get 1% when using the Mastercard.
Extra Cash Back Categories with the Mastercard
The Sam’s Club Mastercard offers more ways to earn outside the store. It rewards you for spending in key everyday categories.
You get 5% back on gas up to $6,000 annually, then 1% after that. Dining and takeout earn 3% cash back.
Other purchases outside of Sam’s Club earn 1%. These rewards stack on top of your in-club benefits.
Differences Between Sam’s Club Credit Card and Mastercard
Choosing the right card depends on where and how you spend. The Mastercard provides flexibility and broader cash back.
The store card is only for Sam’s Club and Walmart purchases. The Mastercard adds gas, restaurants, and general shopping to the mix.
If you travel or dine out often, the Mastercard offers more value. Both cards are linked to your membership for easy access.
How to Apply for a Sam’s Club Credit Card?
You can apply for the Sam’s Club Credit Card with ease. The process is flexible and doesn't affect your credit score when checking prequalification.
- Visit the official website to begin the application.
- Choose between the store card and Mastercard.
- Fill in your personal details accurately.
- Submit your application online or in person at a club location.
- If approved, your card arrives within 7–10 business days.
Using Your Card and Managing It Online
Once approved, you can use your virtual card immediately online. This helps you start earning rewards without delay.
You’ll receive the physical card by mail. Link your card to the Sam’s Club app for full access.
You can check balances, view transactions, and freeze the card if needed. All Sam’s Cash rewards are also visible through your account.
Reward Exclusions and Spending Limits
Not all purchases earn Sam’s Cash. Some categories are excluded from the program.
You don’t earn rewards on tobacco, alcohol, pharmacy purchases, or prepaid cards. Cash advances and gift card purchases are also excluded.
There’s a $5,000 cap on Sam’s Cash earned per year. Ensure your account remains in good standing to maintain your rewards.
How to Redeem Sam’s Cash Rewards
Sam’s Cash is automatically added to your account. You can use it in-store or online at checkout.
There is no minimum redemption amount. You can apply the balance to purchases or membership renewal.
However, you can’t transfer or cash out the balance. Redemption is only valid at Sam’s Club.
Club vs Plus Membership: What Impacts Your Rewards
Your membership level changes your earning potential. Plus Members enjoy more benefits than regular Club Members.
Plus Members get the extra 2% cash back on in-club purchases. They also receive early shopping hours and free shipping benefits.
Club Members only earn 1% back when using the Mastercard. You can upgrade your membership here.
Tips to Maximize Your Credit Card Rewards
Using your card wisely ensures better returns. You can optimize your savings by knowing where to use it.
- Buy gas with your Sam’s Club Mastercard up to the $6,000 yearly limit.
- Use the card for dining and major Sam’s Club purchases.
- Always pay your balance in full to avoid interest.
- Keep track of earnings in the Sam’s Club mobile app.
Security Features and Customer Service Support
The Sam’s Club card includes modern fraud protection. You can control your account from the app or web dashboard.
You get instant alerts for transactions. Freeze your card if it’s lost or stolen. Contact Synchrony Bank for billing issues. Customer support is available through phone or online chat.
Tracking Statements and Managing Payment History
It's important to monitor your monthly statements. This helps you stay in control of your spending and reward earnings.
Set up payment alerts to avoid late fees. You can also schedule automatic payments to avoid missing due dates.
All statements are accessible through your online account. Staying organized improves your credit health and reward tracking.
How Does This Card Compare to Other Store Cards?
Comparing the Sam’s Club card to others can clarify its value. Unlike many store cards, it offers flexible cashback.
The Mastercard version allows purchases beyond the store. You also benefit from gas and dining rewards, which are uncommon.
Most store cards only give discounts in-store, not real cashback. Sam’s Club stands out for its broad utility and loyalty perks.
Frequently Asked Questions
Here are answers to the most common questions about the Sam’s Club Credit Card.
- Can I use the Mastercard outside Sam’s Club? Yes, anywhere Mastercard is accepted.
- What if I cancel my card? You will lose any unused Sam’s Cash.
- Can I switch between card types? You need to reapply for a different card.
- What if I have multiple cards? Your rewards are combined if the accounts share the same member ID.
Final Thoughts: Maximize Your Membership Value
The Sam’s Club Credit Card and Mastercard offer great value to frequent shoppers. You can earn up to 5% back on purchases when paired with a Plus membership.
Additional rewards on gas, dining, and everyday purchases make the Mastercard more flexible. Apply online, track your rewards, and use Sam’s Cash to stretch your budget further.
