Sam's Club Credit Card: Maximizing Your Membership Benefits

Sam's Club, known for its bulk savings and exclusive member benefits, offers two credit cards designed to enhance your shopping experience: the Sam's Club Mastercard and the Sam's Club Store Card. These cards provide a range of rewards and perks, making them a valuable addition to the wallets of frequent Sam's Club shoppers. Here's a comprehensive guide to the features, benefits, and application process for Sam's Club credit cards.

Sam's Club Mastercard

Annual Fee: $0 (Sam's Club membership required)
Rewards Rate:

  • 5% cash back on gas (up to $6,000 per year, then 1%)
  • 3% cash back on dining and travel
  • 1% cash back on other purchases

The Sam's Club Mastercard is a versatile rewards card that offers significant cash back on gas, dining, travel, and all other purchases. This card is especially valuable for those who spend heavily on gas and dining, providing substantial rewards that can offset other expenses.

Key Benefits:

  • High Cash Back on Gas: Earn 5% cash back on gas purchases, which is one of the highest rates available. This benefit is capped at $6,000 per year, after which you earn 1% cash back.
  • Dining and Travel Rewards: With 3% cash back on dining and travel, this card is ideal for frequent travelers and those who enjoy dining out.
  • Additional Cash Back: Earn 1% cash back on all other purchases, making it a reliable option for everyday spending.
  • No Annual Fee: There’s no additional fee beyond the standard Sam's Club membership, making it a cost-effective choice.

Sam's Club Store Card

Annual Fee: $0 (Sam's Club membership required)
Rewards Rate: No cash back, but offers financing options and special savings

The Sam's Club Store Card is designed exclusively for purchases at Sam's Club and Sam's Club online. While it doesn’t offer cash back rewards, it does provide financing options and access to special promotions.

Key Benefits:

  • Special Financing: Cardholders can take advantage of promotional financing offers on qualifying purchases, allowing you to pay off large purchases over time without interest, provided the balance is paid in full within the promotional period.
  • Exclusive Savings: Enjoy special savings events and promotions available only to cardholders.
  • Easy Account Management: Manage your account online, view transaction history, and make payments through the Sam's Club website.

Applying for a Sam's Club Credit Card

Applying for a Sam's Club credit card is straightforward and can be done online or in-store.

  1. Online Application:

    • Visit the Sam's Club website and navigate to the credit card section.
    • Select the card you wish to apply for (Sam's Club Mastercard or Sam's Club Store Card).
    • Fill out the required personal information, including your Sam's Club membership number.
    • Review the terms and conditions before submitting your application.
    • You will typically receive an instant decision.
  2. In-Store Application:

    • Visit any Sam's Club location and go to the membership services desk.
    • Request an application form for the Sam's Club credit card.
    • Complete the form with your personal details and membership information.
    • Submit the application for processing, and you may receive an instant decision or be notified by mail.

Managing Your Sam's Club Credit Card

Once you have your Sam's Club credit card, managing your account is easy. You can log in to your account online or through the Sam's Club mobile app to view your balance, make payments, and track your rewards. The online account management tools provide convenient access to all your card details and transaction history.

Things to Consider

While the Sam's Club credit cards offer many benefits, there are a few things to keep in mind:

  • Membership Requirement: Both cards require an active Sam's Club membership, which has its own annual fee.
  • APR: The cards have a relatively high APR, so it’s important to pay off your balance in full each month to avoid interest charges.
  • Rewards Cap: The 5% cash back on gas is capped at $6,000 per year, after which the rewards rate drops to 1%.


The Sam's Club credit cards provide valuable rewards and benefits that can significantly enhance your shopping experience at Sam's Club. The Sam's Club Mastercard is ideal for those looking to earn cash back on a wide range of purchases, especially gas, dining, and travel. Meanwhile, the Sam's Club Store Card offers special financing options and exclusive savings for dedicated Sam's Club shoppers. By choosing the card that best fits your spending habits and needs, you can make the most out of your Sam's Club membership and enjoy substantial savings.

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