The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate. 

It may also be a good option if you’re looking for a card to build up your credit score and want to avoid an annual fee. Responsible use and on-time monthly payments can help your credit profile over time.

Pros Explained

Doesn’t require good credit: 

Since store credit cards are typically easier to qualify for, you may be eligible for the Sam’s Club Credit Card even if you have a fair credit score. This could be a boon if you’re looking for a credit card to help build or rehabilitate a thin or imperfect credit profile. 

Fee-free cash advances: 

This card lets you access as much as $100 in cash at Sam’s Club registers (in $20 increments) as long as you’re making a purchase as well. These advances are treated as purchases, so the interest rate is the same and there’s no cash advance fee.4

Cons Explained

Can only be used at Sam’s Club and Walmart: 

This is a traditional store credit card in that it can only be used within the family of stores for which it’s branded. (The Sam’s Club Mastercard doesn’t have these restrictions, but you’ll probably have to have good credit to get that card.) 

No rewards on your purchases: 

Many credit cards—even for people with fair credit—offer points or a percentage of every dollar you spend in cash back, but you won’t be rewarded with this card. (Again, the Sam’s Club Mastercard is probably a better alternative if you have good credit because it does have rewards, including 5% cash back on gas purchases.)


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Sams Credit Card Review

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

Merrick Bank Credit Card

Merrick Bank, for those of you who aren’t familiar with the institution, is an online lender headquartered in Utah that specializes in credit cards and boat/RV financing. That’s interesting enough, but the Merrick Bank Secured Visa Card doesn’t offer much to hold your attention. Don’t get us wrong; it’s not a bad card. It’s just a no-frills, moderately priced option with competitors that are both cheaper and more exciting.

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Sams Credit Card
The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.
Sams Credit Card

Sam's Club Mastercard Review
Card detailsEarn 5% cash back on gas (on first $6,000 per year in purchases, then 1%)Earn 3% cash back on dining and travelEarn 1% on other purchases.No annual feeNo foreign transaction feesDoubles as your membership cardRates, fees & offersAnnual fee:$0Rewards rate:1%-5%Bonus offer:Get $45 as a

How to apply for Sam's Club® Credit Card
Before you apply for the card, you need to have a SamsClub.com membership. Once you do:Locate the Sam's Club® Credit Card on the website.Click Apply now.Sign in to your account or register for an account with your membership number and zip code.Fill out the application form.Review the form and

How to Get the Most Out of Sam’s Club Credit Card
The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Options to pay Sam's Club Credit
Paying your Sam's Club credit bill online is fast and simple:Visit www.samsclub.com/credit Select Manage Your Credit Account near the topIf you are unsure which card type you have, please reference your physical card and select a login that matches your cardYou can also:• Request a credit

The Rewards of Sam's Credit Card
RewardsLimited time offer: Save $45 when you open an account and make a $45 purchase within 30 days of account opening.Earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after)Earn 3% cash back on dining and travelEarn 1% cash back on

Should You Get The Sam’s Club Mastercard?
The Sam’s Club Mastercard offers very high rewards and is a fantastic value – provided you don’t mind its inconvenient redemption method. Rewards accumulated through the card may only be redeemed once per year, at a Sam’s Club store. This can be problematic, especially for individuals who co

Sams Credit Card is Best For…
The Sam's Club Mastercard is designed for consumers who regularly shop at Sam’s Club and want a convenient way to pay with a card that doubles as a membership card.This card could also be a good choice for anyone who drives a lot. The average household spends about $2,109 a year on gas, accord