The Sam’s Club Credit Card offers cashback rewards and exclusive perks for members.
Designed for frequent shoppers, this card enhances your purchasing experience with added savings and convenience.
Whether you shop in-store or online, it’s a valuable tool for maximizing your membership.
Eligibility Criteria
To apply for the card, you must meet specific requirements.
These criteria ensure that applicants are eligible and can effectively enjoy the card’s benefits.
- Sam’s Club Membership: A valid Sam’s Club membership is mandatory.
- Age: You must be at least 18 (19 in some states).
- Residency: Applicants must be U.S. residents with a valid address.
- Credit Standing: A fair to good credit score is recommended for approval.
- Personal Information: Social Security Number (SSN) and proof of income are typically required.

Types of Sam’s Club Credit Cards
Sam’s Club offers two credit card options designed to enhance members’ shopping experiences and earn them additional rewards.
Sam’s Club Store Card
This card is exclusively for use at Sam’s Club and Walmart locations. It provides basic rewards and member-focused benefits.
Features:
- Limited to purchases at Sam’s Club and Walmart (in-store and online)
- Offers basic rewards and exclusive member discounts
- Includes promotional financing options for eligible purchases
- Requires an active Sam’s Club membership
Sam’s Club Mastercard
A versatile credit card that can be used anywhere Mastercard is accepted, offering higher cashback rewards for frequent shoppers.
Features:
- Provides 5% cashback on gas (up to a specific spending limit)
- Earns 3% cashback on dining and travel purchases
- Rewards 1% cashback on all other purchases
- Offers additional cashback for purchases at Sam’s Club
- Includes no foreign transaction fees and enhanced fraud protection
- Requires an active Sam’s Club membership
Step-by-Step Application Process
Applying for a Sam’s Club Credit Card is simple and can be done online or in-store.
The process requires providing basic personal and financial information to determine eligibility.
Below is a step-by-step guide to help you complete your application.
Online Application
- Visit the official Sam’s Club website.
- Navigate to the “Credit Services” or “Sam’s Club Credit Card” section.
- Choose the type of credit card you want to apply for (Store Card or Mastercard).
- Log in with your Sam’s Club membership account or create one if you don’t have one.
- Fill out the online application form with your personal information, includingyour Social Security Number (SSN) and income details.
- Review the terms and conditions, then submit your application.
- Wait for the approval decision, which may be instant or take additional time if further review is needed.
In-Store Application
- Visit your nearest Sam’s Club location.
- Go to the customer service desk or credit application counter.
- Inform the representative that you want to apply for a Sam’s Club Credit Card.
- Provide the required documents, such as your government-issued ID, Sam’s Club membership details, and other requested information.
- Complete the application form with the help of the staff.
- Submit the form and wait for the decision to be approved.

Approval Process
The approval process is quick and straightforward, with decisions made instantly or after a brief review. Here’s what to expect.
Immediate Decision
- If you apply online or in-store, the information you submit may determine whether you receive instant approval or denial.
- A soft credit check is performed to evaluate your creditworthiness.
Pending Review
- Some applications may require additional review due to incomplete information or credit history verification.
- This process can take a few business days, and you may be contacted for further documentation.
Notification
- Once a decision is made, you will be notified via email or mail.
- You’ll receive details about your credit limit and card benefits if approved.
Card Delivery
- Approved applicants will receive their cards by mail within 7–10 business days.
- Instructions for activation will be included with the card.
Rejection
- If your application is denied, you will receive a letter explaining why.
- You can address any issues and reapply after improving your credit profile.
Card Activation and Usage
Activating and using your card is simple, and you can enjoy its benefits immediately.
Follow these steps to activate your card and use it effectively.
- Card Activation: Call the activation number provided with your card or activate it online through the Sam’s Club website or mobile app.
- In-Store Usage: Present your card at checkout for purchases at Sam’s Club or Walmart locations.
- Online Shopping: Add your card details to your Sam’s Club account for seamless online transactions.
- Rewards Management: Track your cashback rewards through the Sam’s Club mobile app or your online account.
- Mobile Payments: Link your card to mobile wallets like Apple Pay, Google Pay, or Samsung Pay for contactless payments.
- Account Monitoring: Regularly review your statements online or via the app to track spending and ensure timely payments.
- Bill Payments: Pay your card bill online, in-store, or through the mobile app to avoid late fees.
Benefits and Rewards
The Sam’s Club Credit Card offers various benefits and rewards to enhance the shopping experience and provide valuable savings.
Below is a list of key advantages you can enjoy as a cardholder.
- Cashback Rewards: Earn up to 5% cashback on gas, 3% on dining and travel, and 1% on other purchases.
- Additional Cashback: Get enhanced cashback rewards for purchases made directly at Sam’s Club.
- No Annual Fee: Enjoy no additional annual fee beyond your Sam’s Club membership.
- Worldwide Use: Use the Sam’s Club Mastercard anywhere the Mastercard is accepted.
- Promotional Financing: Take advantage of unique financing options on select purchases.
- No Foreign Transaction Fees: Make purchases abroad without incurring additional charges.
- Fraud Protection: Benefit from advanced security features to protect against unauthorized transactions.
- Convenient Account Management: Access your account through the Sam’s Club app or website to track spending, rewards, and payments.
Interest Rates and Fees
Understanding the interest rates and fees associated with the card is essential for managing costs and avoiding unnecessary charges.
Below is a breakdown of the key rates and fees for the card.
- Annual Percentage Rate (APR): The variable APR typically ranges between 17.99% and 26.99%, depending on your creditworthiness.
- Cash Advance APR: A higher variable APR, usually around 29.99%, applies to cash advances.
- Penalty APR: Late payments may result in a penalty APR being applied, which is often higher than the standard APR.
- Annual Fee: There is no yearly fee for the credit card, but a valid Sam’s Club membership is required.
- Cash Advance Fee: A fee of $10 or 4% of the cash advance amount, whichever is greater, applies to cash advances.
- Late Payment Fee: Fees of up to $39 may be charged for payments made after the due date.
- Foreign Transaction Fee: The Sam’s Club Mastercard does not charge foreign transaction fees, making it ideal for international use.
Contact Information
If you have questions or need assistance with your Sam’s Club Credit Card, the customer service team is available to assist you.
Below are the contact details, including the phone number and mailing address.
- Customer Service Phone Number: Call (866) 220-0254 for inquiries, account support, or to report lost or stolen cards.
- Mailing Address: Sam’s Club Credit Services, P.O. Box 965004, Orlando, FL 32896-5004.
To Sum Up
The Sam’s Club Credit Card is a valuable tool for maximizing savings and enjoying exclusive benefits as a member.
Whether you prefer cashback rewards or promotional financing, it offers flexibility and convenience tailored to your shopping needs.
Apply today to take advantage of these perks and elevate your membership experience.
Disclaimer
Terms and conditions apply to the Sam’s Club Credit Card, including eligibility requirements and variable interest rates.
Review the full card agreement for details on fees, rewards, and usage policies.