The Sam’s Club credit card is a good option for people who want to save money and earn rewards on their Sam’s Club purchases. The Sam’s Club Mastercard offers a great rate on gas and dining and a hard-to-beat rewards rate on Sam’s club spending. The card also doubles as your membership card. However, the card has a few speed bumps, including an annual fee. The card is best for Sam’s Club and Walmart shoppers who spend a lot on dining and gas. Other alternatives include the Wells Fargo Active Cash Card, which offers 2% cash back on every purchase and has no annual fee.
How to Apply for Sam’s Club Credit Card?
You’ll need to have good credit to qualify for the Sam’s Club Mastercard. You can check your credit score for free on credit sites. The card also limits the amount of cash back earned each year and requires that you be a Sam’s Club member to redeem those rewards. You can also earn rewards on your in-club spending by using another Sam’s Club-branded card. Check out our best Sam’s Club cards list for more information.
You can register for a Sam’s Club card online or at any Sam’s Club store. You will need to provide your name, address, and email address to complete the registration process. Once registered, you can use your Sam’s Club card to buy products at the warehouse store and access additional services, such as customer support and security features. You can also manage your Sam’s Club card account through the mobile app. Sam’s Club also offers a variety of other convenience services, such as free shipping on select items and a membership rewards program.
Credit Score
The Sam’s Club credit card requires good credit to be approved, so you’ll want to check your credit score before applying. You can use the free credit score tools to see your approval chances. The card also offers a number of other features, including online account management and mobile payment.
Interest Rates
The Sam’s Club Mastercard and the basic Sam’s Club Credit Card have different interest rates, but both are suitable for people with good credit scores. The Sam’s Club Credit Card has a high APR, but the rate is slightly lower than what you’d get with a typical store card. The card also earns cash back, but it excludes purchases made at other wholesale clubs and certain supermarkets.
Overall Features
The Sam’s Club Mastercard is ideal for a Sam’s Club Plus member who regularly shops at the wholesale club and spends a lot of gas. The card offers cash-back rewards that can be redeemed in club or online, and it also doubles as the member’s membership card. However, the card’s high-interest rates can make it expensive for those who don’t pay off their balances in full each month. It’s also worth considering a general cash-back credit card if you shop outside of Sam’s Club.
With the Sam’s Club Mastercard, you can earn 5% cash back on gas and EV charging purchases (up to $6,000 in annual spending), 3% cash back on dining and takeout, and 1% on all other purchases. In addition to these perks, the card has no annual fee and no foreign transaction fees. It’s also compatible with Samsung Pay, which enables you to complete in-club transactions quickly and securely. The card’s rewards are credited to your membership account one to two billing cycles after they are earned.
How Do I Make a Payment on Sam’s Club Credit Card?
There are several ways to make a payment on your Sam’s Club credit card. You can do it online, by phone, or in person. You can also set up automatic payments from your checking account. This will help you keep track of your bill and avoid late fees.