Sam's Club® MasterCard®

Sam's Club® MasterCard®
Issued by Synchrony Bank
Card Rating:3.50
Advertiser Disclosure
Annual Fee
Regular APR
16.65% - 24.65% Variable
Open-loop card or Close-loop card
Open-loop card

Additional Information

Balance Transfer Fee
Purchase Intro APR
Transfer Intro APR
Late Payment Fee
Up to $38
Returned Payment Fee
Cash Advance Rate
24.15% variable (account type 1) 27.15% variable (account type 2)
Cash Advance Fee
$5 or 3% of the amount of each cash advance (whichever is greater)
Foreign Transaction Fee
Smart Chip
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Sign-up Bonus



No Rewards..

Application Requirements

Minimum credit score
Minimum Age



How To Apply Sam's Club® MasterCard®

  • If you are keen to apply for the Sam's Club® MasterCard®, simply click on the "Apply Now" button below to be taken to the credit card official website to complete the credit card application form. Our website will not record any personal information about you, and the whole process will not affect your credit score.

  • To complete the form, you should enter your name, address, telephone number and email address in the application form. You may also need to list your annual income and monthly mortgage or rent.

  • The credit card also asks for your date of birth, social security number, mother's maiden name, and driver's license number as part of its credit check.

  • When you have completed the form, the application needs to be reviewed, and you will receive your Sam's Club® MasterCard® soon if your audit passes. 

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How To Use Sam's Club® MasterCard®

Where Can You Use

  • It can be used at Sam's Club or Walmart, wherever Mastercard is accepted.

Pay Your Bill On Time

Something About The Card

  • 5% cash back on gas (up to first $6,000 in purchases per year, then 1%)

  • 3% cash back dining and travel

  • 1% cash back other purchases

  • Sign-up bonus: Get $45 (covers your Sam's Club membership fee for a year). Offer valid now through January 15, 2019.

Credit Card Reviews

7 Reviews
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User Name

1 year ago

I personally don't have a Sam's Club MasterCard, but an immediate family member does and I paid their monthly bill last month while they were in the hospital. For whatever reason, they declined my payment and that family member (who is now on the other side of the state in a long-term care facility) received a late fee notice for last month's payment this past week. Even though they declined the payment itself, Sam's Club still went ahead, processed the check, and withdrew the funds from my checking account! As far as I can tell, the money was not applied to my family member's account. I tried calling Sam's about the matter this AM, but since I'm not an authorized user on the card nor have PoA, the customer service rep refused to speak to me and immediately hung up. Obviously I'll need some help from a lawyer to handle the matter from here on out, but if you're reading this review and are considering an account with these guys....beware!

Garbage - stay away
Oleg M
1 year ago

Out of sudden the card quit working. Called the support - they said I missed a payment in spite of I've made a payment a day after I received a notification from Synchrony, and my previous payment was a month ago. Two weeks - the card still doesn't work. Going to cancel that piece of garbage as soon as I collect my rewards.

Worst credit card ever!!
Linda Smith
1 year ago

I had a 0 balance on my card,then received a new bill with a charge for $22.00. I called to dispute! I spoke to Leo.Who said, don't worry Ms. Smith I'll remove the charge and issue a new card. I was hacked. This was not my charge! Then received anther bill with a late fee!!! And never a new card. Now,as a result of a charge I thought was cleared up......that I didn't-don't owe! I'm in collection!! They have ruined my great credit!!!!! Worse card ever! Don't sign up for this can't get a rep from the U. S. I had to ask for one because I couldn't understand the overseas guy! And he lied to me......saying he/they would not remove charge because I had too many was the only one! He put me on hold,and said fraud dept. wouldn't talk to me and that their were other charges pending! After speaking with Leo in the U.S. I found this not to be true! the first rep didn't even call fraud dept and their were no other charges pending!! Liar!! Ms. Smith

Horrible service
Annette Nelson
1 year ago

I called to let you know I was traveling to Ireland and Norway to ensure I had no trouble using my card. I pay my bill in full every month. I tried to use my card in Ireland and it was declined. You can take this card and shove it. When I am back in the states I will cancel my card. I will never do business with you again. I have never been so embarked in my life.

worst experience
1 year ago

After advising the credit card company about out of country travel, they said "no problem", as soon I tried to use the card they locked it. Made telephone call to unlock they refused. I gave all personal info and more. They had the nerve to ask for a video of myself. I was left without a credit card in a foreign country. When I got back I still had a difficult time to get it unlocked. Terrible service, do not recommend.

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