How the Sam’s Club Credit Card Works: Benefits and Rewards

Sam’s Club Credit Card
Sam’s Club Credit Card

How the Sam’s Club Credit Card Works. Sam’s Club, which is a membership-only retail warehouse club owned and operated by Walmart Inc., offers its own branded credit cards, which can provide a range of benefits and rewards to its members. Although the specific details of the benefits and rewards can vary and should be checked on the Sam’s Club website or with their customer service for the most up-to-date information, here are some general features that are often associated with the Sam’s Club Credit Card:

Table of Contents

How the Sam’s Club Credit Card Works

Types of Sam’s Club Credit Cards

  1. Sam’s Club Credit Card: Typically for in-club and gas station purchases.
  2. Sam’s Club MasterCard: Can be used anywhere MasterCard is accepted.

General Benefits

  1. Cash Back Rewards: A percentage back on qualifying purchases.
  2. No Annual Fee: Typically, Sam’s Club credit cards do not have an annual fee, but require a Sam’s Club membership.
  3. Fraud Protection: Like many credit cards, it provides security against unauthorized use.
  4. Online Account Management: Manage your account, check balance, and make payments online.

Specific Rewards (examples)

  • Cash Back: You may earn cash back on purchases, with a higher percentage for categories like gas and dining out.
  • Special Financing: Sometimes, Sam’s Club offers special financing options for certain purchase amounts.
  • Discounts: Exclusive discounts or promotional financing on select items or categories.

Where You Can Use the Card

  • Sam’s Club Credit Card: Generally, only at Sam’s Club and Walmart locations.
  • Sam’s Club MasterCard: Can generally be used anywhere MasterCard is accepted worldwide.

Mobile App

  • Sam’s Club often offers a mobile app where you can manage your credit card, view your balance, pay your bill, and see your cash back rewards.

How to Apply

  • In-Club: You can apply at any Sam’s Club location.
  • Online: Applications are typically available on the Sam’s Club website.

Things to Consider

  • Interest Rates: Be sure to review the APR (Annual Percentage Rate) as it might be higher than other credit cards.
  • Late Fees: Understand the fees associated with late payments.
  • Foreign Transaction Fees: If applicable, be aware of fees for transactions outside the U.S.
  • Cash Back Redemption: Understand how and when you can redeem your cash back rewards.

Membership Requirement

  • To apply and use a Sam’s Club credit card, you generally need to maintain an active Sam’s Club membership.

Example Usage

  • Use the Sam’s Club MasterCard for everyday purchases to maximize cash back.
  • Use special financing options for larger purchases at Sam’s Club, adhering to the terms to avoid interest.
  • Redeem cash back rewards according to the redemption procedure to enjoy the savings.


The Sam’s Club Credit Card and Sam’s Club MasterCard can offer valuable rewards, especially for frequent shoppers at Sam’s Club and Walmart. It’s crucial to understand the terms and conditions, interest rates, and rewards redemption procedures to maximize the benefits while minimizing costs.

Again, specifics can change, so please verify the current terms and conditions directly from Sam’s Club or through their official website. Always read the fine print and ensure that the card aligns with your spending habits and financial management strategies.

Also Checkout: The best Marriott Credit Cards

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