Sams Club Master Cards (2024)

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Sams Club Master Cards (1)

Learn how to get the most from your Sam’s Club®Mastercard®.

Sams Club Master Cards (2)

Learn how to get the most from your Sam’s Club®Mastercard®.

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

    Anywhere Mastercard is accepted.

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  • Sam’s Cashearned is subject to each program’s terms, including different maximum rewards and payout dates. See below for full details.

    Become aPlusmember today.

    Sam’s Cashearned is subject to each program’s terms, including different maximum rewards and payout dates. See below for full details.

    samscash phone

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    Track Sam’s Cash™ earned with your Sam’s Club® Mastercard®.

    It’s easy to view your account online. Register or log

    Spend it, save it, cash it out.*

    When available to use, your Sam’s Cash™ is automatically loaded to your Sam’s Club membership and does not expire.

    Use it your way.*

    • In-club purchases.

    • Scan & Go™ checkout.

    • Curbside Pickup.

    • Online

    • Redeem for cash at the club.

    Check out these benefits.

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      Tap & Go®.

      Just touch your card to a reader for contactless, secure payments (where available).

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      It’s also your membership card.

      Use it to shop in club, online or in the app.

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      Accepted worldwide.

      Pack your card next to your passport and get going on life’s adventures.

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      Zero fraud liability.

      You won’t be held responsible for fraudulent or unauthorized use of your card.


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    Plus these extras.
    • Mastercard®ID Theft Protection
      Alerts you to possible identity theft and provides you with resolution services.
    • Mastercard Global Service
      Provides worldwide, 24-hour assistance with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance.

      VisitMySCMC.comfor complete list of Mastercard benefits.

    Register for online account access anytime, anywhere.

    View and manage your Sam’s Club®Mastercard® online. Visit to register your account.

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      Pay your bill.

      And set payment reminders and more.

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      View your account details.

      See your balance, payment due date and minimum payment due.

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      Track your Sam’s Cash™ earned with your Sam’s Club Mastercard.

      See how much you’ve already earned.

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      Set alerts.

      Customize your personal notifications.

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      Go paperless.

      Update your account to online billing statements only.

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      Update your info.

      Make changes to your phone, address or email.

    Register or Log In

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    Get the Sam’s Club® app to manage your account,
    view statements, and more!

    Download now for super-quick setup.

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    Shop faster and easier with the Sam’s Club app.

  • Where To?

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        Scan & Go™ shopping.

        Skip the checkout line and pay with your Sam’s Club® Mastercard®*.

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        Shop 24/7.

        Right in the app using purchase history, lists and more.

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        Curbside Pickup

        Order, pay and park. We’ll even load your car.

        Free with Plus membership. Fees may apply with Club membership.

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      Ready, set, enjoy.

      Activate now to view your benefits, make purchases and watch your Sam's Cash™add up.

      *Subject to credit approval. See the “How to earn Sam’s Cash with your Sam’s Club Mastercard Rewards Program” terms for details.

      **The 2% Sam’s Cashis only available for Sam’s ClubPlusMembers for qualifying pre-tax purchases directly from Sam’s Club, and not from third parties, made in clubs and through Curbside Pickup with any form of payment. Sam’s ClubPlusMembers earn 2% in Sam’s Cashon qualifying pre-tax purchases with a maximum reward of $500 per 12-month membership period. The 2% Sam’s Cashis awarded monthly and loaded onto the membership card for use in club, in our mobile app, on most direct purchases from Sam’s Club online, applied to Sam’s Club membership renewal fees or redeemable for cash. Restrictions apply. exclusions, program details and terms and conditions.

      Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.

      Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

      The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

      Scan & Go™ shopping has a $750 pre-tax, pre-Instant Savings, per-transaction limit, and there are certain items, e.g. tires, that cannot be purchased using the Scan & Go™ feature.

      Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc.

      Google Play and the Google Play logo are trademarks of Google LLC.

      All third-party trademarks are the property of their respective owners.

      © Copyright 2023 Sam's Club, Inc.

      Sams Club Master Cards (2024)


      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.

      Does Sam's Club do Mastercard? ›

      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.

      What is the highest credit limit for Sam's Club Mastercard? ›

      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.

      Can my Sam's Club Mastercard be used anywhere? ›

      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.

      What credit bureau does Sam's Club Mastercard pull from? ›

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

      Can I use my Sam's Club Mastercard at Walmart? ›

      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, but you won't be able to use it at Walmart Fuel Stations.

      What bank issues Sam's Club Mastercard? ›

      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.

      What bank owns Synchrony? ›

      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.

      What's better, Costco or Sam's? ›

      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.

      What credit card has a $100000 limit? ›

      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.

      What is an excellent credit card limit? ›

      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.

      Is Sam's Club Mastercard a good credit card? ›

      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.

      What credit score do I need for a Sam's Club credit card? ›

      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.

      How does the Sams Mastercard work? ›

      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.

      Does Sam's Club credit card do a hard pull? ›

      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.

      How many credit cards are too many? ›

      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.

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