Sams Club Master Cards (2024)

FAQs

How hard is it to get a Sam's Club Mastercard? ›

In order to apply for a Sam's Club® Credit Card, you'll need a Sam's Club membership. Plus, note that the Sam's Club® Credit Card requires good credit or better for approval. The Sam's Club® Store Card, on the other hand, requires fair credit.

Earn Sam's Cash™* with your Sam's Club^® Mastercard^®.

Anywhere Mastercard is accepted. Sam's Cash™ earned is subject to each program's terms, including different maximum rewards and payout dates. See below for full details.

The credit limit for the Sam's Club Credit Card typically ranges from $1,000 to $10,000, although reports indicate it's possible to get higher limits. Your credit limit on your Sam's Club Credit Card is determined by multiple factors, including your annual income and credit history.

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.

The Sam's Club® Credit Card uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness.

The Sam's Club® Credit Card can be used anywhere Mastercard is accepted. That is pretty much anywhere, as Mastercard benefits from extensive worldwide acceptance. The Sam's Club® Store Card can also be used at Walmart locations in the U.S. and Walmart.com, but you won't be able to use it at Walmart Fuel Stations.

The Sam's Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

More about Synchrony: Synchrony Bank is owned by Synchrony Financial, a Stamford, Connecticut-based consumer financial services company. GE Capital Retail Bank took on the name Synchrony Bank in 2014.

Costco has more stores across the globe, is expanding rapidly, and generally offers cheaper prices than Sam's Club does, although the latter charges slightly less for membership, has a bigger presence in the U.S., and stocks more name brands.

On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.

Which is the easiest store credit card to get? ›

Some of the easiest store credit cards to get are the Fingerhut Credit Account, the Montgomery Ward Credit Account, and the Amazon Secured Credit Card. These cards accept people with “bad” credit, and they all have $0 annual fees.

If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.

How the Sam's Club Mastercard compares to other cash back cards. Among cash back cards, the Sam's Club Mastercard offers excellent all-around category coverage and a hard-to-beat rewards rate on gas.

The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.

Sam's Club members can earn rewards and save even more with the Sam's Club® Mastercard®. With the card, members can earn up to 5 percent cash back on purchases in select categories. The Sam's Club® Mastercard® requires a Sam's Club membership but is thin on benefits when compared to other cash back and grocery cards.

Yes, the Sam's Club® Business Store Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time.

Owning more than two or three credit cards can become unmanageable for many people. However, your credit needs and financial situation are unique, so there's no hard and fast rule about how many credit cards are too many. The important thing is to make sure that you use your credit cards responsibly.