Explore the current Sam’s Cash rewards and card benefits, and compare the value against the APR, fees, membership costs, and your normal spending habits.
If you are already a Sam’s Club member, review the current card terms and apply through official Sam’s Club channels only if the card fits your budget and planned spending.
Choose an option:
Why Consider the Sam’s Club Mastercard?
Earn Sam’s Cash on eligible purchases
No annual credit card fee
Manage your account through available online tools
Use the Sam’s Club Mastercard anywhere Mastercard is accepted
What You Should Know Before Applying
Review the Available Benefits
The Sam’s Club Mastercard earns Sam’s Cash on eligible fuel, dining, Sam’s Club, and other qualifying purchases. Reward rates vary by purchase category, membership level, and current program terms.
Plus members currently earn a different Sam’s Cash rate on eligible Sam’s Club purchases than Club members. Before applying, review the latest reward structure and understand how Sam’s Cash is earned and redeemed.
Review the Application Requirements
Applicants must be current Sam’s Club members and have a valid physical U.S. mailing address. Credit approval is subject to Synchrony Bank’s review.
Prepare the information requested in the official application.
Complete Your Application
You can apply at SamsClub.com/credit or at the Membership Desk in a Sam’s Club location.
After you submit the requested information, Synchrony Bank reviews the application and makes the credit decision. If approved, follow the instructions provided for account access and card activation.
Get Started in 3 Steps
Confirm that your Sam’s Club membership is current.
Prepare the information requested in the official application.
Submit your application through an official Sam’s Club channel.
Review the Terms Before Applying
Before accepting a credit card offer, review the current APR, fees, cash advance terms, payment requirements, and Sam’s Cash reward conditions. Understanding these details can help you make a more informed financial decision.
If you decide the card fits your needs, use the official Sam’s Club credit application channel.
How Does the Approval Process Work?
Application Review
Synchrony Bank reviews your application and makes the credit decision. Complete the application accurately and review your information before submitting.
Credit Evaluation
Synchrony Bank evaluates the application under its lending criteria. Approval and credit limits are not guaranteed and depend on the bank’s credit decision.
Card Activation
If approved and a temporary credit card is issued, Sam’s Club says it is valid for 14 days after account approval or until the physical card is received and activated. Follow the official instructions provided with your account before using the card.
Get More Value from Your Membership
The Sam’s Club Mastercard can be a practical option for members who want to earn Sam’s Cash on eligible Sam’s Club purchases, fuel, dining, and other qualifying spending.
