Sams Club Master Cards (2024)

FAQs

What's the difference between a Sam's Club credit card and a Sam's Club Mastercard? ›

Unlike the Sam's Club store credit card, the Sam's Club Mastercard is accepted anywhere Mastercard credit cards are accepted, including at nearly all grocery stores and gas stations.

Alternatively, you can apply Learn More. Keep in mind that the Sam's Club® Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score.

The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.

The credit limit for the Sam's Club Mastercard depends on creditworthiness. Some cardholders may only receive a credit limit of $1,000, while others could receive as much as $10,000. Generally, people with good credit can expect a credit limit in the middle of that range.

The Sam's Club® Credit Card can be used anywhere Mastercard is accepted. That is pretty much anywhere, as Mastercard benefits from extensive worldwide acceptance. The Sam's Club® Store Card can also be used at Walmart locations in the U.S. and Walmart.com, but you won't be able to use it at Walmart Fuel Stations.

Pay no annual fee

The Sam's Club Mastercard doesn't come with an annual fee, and there are no foreign transaction fees, either. You will, of course, have to pay for your annual Sam's Club membership to be eligible — which is at least $50 per year.

The Sam's Club® Credit Card uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness.

The Sam's Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.

Where can I use my Sam's Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted.

On our list, the Ramp Corporate Card and the Chase Ink Business Premier Credit Card offer the best opportunity to access a $100,000 credit limit. Ramp determines your spending limit based on factors like your cash on hand and monthly expenses, while Chase uses creditworthiness to calculate your credit limit.

What is an excellent credit card limit? ›

A good credit limit is around $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income, and little to no existing debt.

John Miller, Credit Cards Moderator

The cash advance limit for the Sam's Club® Credit Card is 20% of your credit limit, according to customer service. To determine your specific cash advance limit, you can refer to your card agreement or monthly statement.

The Sam's Club membership program consists of two tiers, with different prices for each. Keep in mind that some states collect taxes on Sam's Club membership fees. Club Membership: $50 per year. Plus Membership: $110 per year.

Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill? If unsure which card you have, reference your physical card and select the login that matches your card or select the card type option from the login screen.

The Sam's Club® Credit Card uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness.

This is our Private Label credit card. This card can only be used at the Camping World and Good Sam family of brands. Including in-store and online at Camping World, Overton's, and Good Sam.