Sam’s West, Inc. is a US-based membership-only retail warehouse clubs chain owned by Walmart Inc. The company was founded in April 1983 after the name of Walmart’s founder Sam Walton. The company adopted the name Same’s Wholesale Club.
If we talk about stats, Sam’s Club is ranked as the second-largest warehouse club in terms of revenues. Costco Wholesale has been ranked as number one for sales volume. Sam’s club expanded its operations in 39 years and has reached 44 states of the U.S. with over 600 warehouse clubs as of 2022.
The company’s product lines include electronics, patio and garden supplies, groceries, children’s accessories, pet supplies, health and beauty, sporting, jewelry, toys, home furniture, etc. Since it’s a membership-only warehouse club, the company has reward programs for the members of the club.
Similarly, club members can apply for different types of credit cards offered by Sam’s Club. These credit cards offer members to enjoy exclusive discounts and perks. Therefore, we will explore everything about Sam’s club credit cards, which can help you decide whether it’s worth getting your credit card. So let’s get into it.
What is Sam’s Club credit card?
Sam’s Club credit card enables its cardholders to use their credit worth to buy things online or in stores across the U.S. while being used as a membership card, giving cashback offers simultaneously. It is a members-only credit card, meaning you must have a membership of Sam’s Club to access the benefits associated with the credit card.
You can use a credit card to purchase anything from Sam’s Club and Walmart. But it depends on if you have SAM’S Club Mastercard or Sam’s Club credit card. Sam’s club credit card offers cash back to cardholders when they use the card for eligible purchases, as mentioned in the terms and conditions of a credit card.
The cashback and rewards will only be added when spending money on eligible purchases. However, Mastercard can be used anywhere in the U.S. where Mastercard is accepted.
Sam’s Club Credit Cards
Members of Sam’s club are offered a total of five credit cards:

(i) Two cards for individual members (Sam’s Club MasterCard and Sam’s Club credit card)
(ii) Three cards for business customers (Sam’s Club Business Credit Card. Sam’s Club Business Mastercard, and Sam’s Club Business Mastercard plus)
We will talk more about personal cards, so here are the features and benefits of Sam’s Club Mastercard:
- You will earn 5% cashback on your gas purchases anywhere with Mastercard acceptability.
- Earn a 3% cashback on Sam’s Club purchases as a Plus Member of the club
- Earn a 3% cash back on dining and takeout in Sam’s Cash
- Earn 1% cashback on all purchases with your Sam’s Club Mastercard
- Nationwide acceptability at Walmart and Sam’s Club. Additionally, it also comes with Mastercard acceptability.
Qualification Criteria
Whenever you are applying for a credit card, your credit score is the first and most important thing the credit card company will consider. However, there are certain other conditions that you must meet to become eligible to apply for a certain credit card. Similarly, you must fulfill the qualification criteria besides a good credit score to become a Sam’s Club credit card holder.
So here are the basic qualification criteria for Sam’s Club credit card:
- It’s a member-only card, and you must have Sam’s Club membership to apply for the credit card.
- You must be a U.S citizen or permanent resident
- You must have reached the age of majority, which is 18 in most states
- You must have a steady source of income to cover the expenses
- Having a low debt is encouraged to increase your chances of approval for a Sam’s Club credit card.
- The credit score needed for Sam’s club credit card is at least 700 or above
How To Apply For Sam’s Club Credit Card?
Once you know that you want Sam’s Club credit card or Mastercard, you will need to file the application for a new credit card. If you already have a credit card, you might not be able to apply for a new card, as the company allows one credit card against one membership.
You can apply for your credit card from Sam’s Club in two ways: online and in-person visits.
Online
Here is the step-by-step guide to applying for Sam’s Club Credit Card online:
- Visit the official webpage of Sam’s Club credit card here. It will open up the registration page, where you will be required to enter your membership information.
- Fill in your membership number, first name, and last name. Click on Continue.
- Provide the basic information as asked in the online form. It includes your contact information, personal information, and financial information.
- Follow the on-screen prompts to complete the application process. Wait for the instant approval, or you will receive the decision in the next 7-10 working days.
In-Person
You can also visit the Sam’s Club store location and apply for your credit card. Ask for the application form and hand it to the representative after filling. You have to provide the local club with your basic information, such as an address, social security number, date of birth, monthly income, etc. when applying for the card in stores
Activation Of Sam’s Club Credit Card
Once you have received your credit card at your mailing address, you will have to activate it before using it for rewards on purchases. You can activate your Sam’s Club credit card online, and here is the step-by-step guide to activate your card:
- Visit the official webpage of Sam’s Club credit card activation here.
- It will open up the card activation page, where you will provide the required information in the empty fields. Start with your credit card number, the security code printed on the back of the card, and the last 4-digits of your SSN for I.D. verification.
- Click on Activate My Card.
- Follow the on-screen prompts on the next window and complete the card activation process.
Register For Online Access and Login to Sam Club Credit Card
Although you have activated your credit card, it can be used to claim rewards and cash back when purchasing at eligible stores and locations. However, you will still need online access to check your credit card bills, manage your information, and have control over other things related to your account.
Here is how to register for online access to manage Sam’s Club credit card:
- Visit the official Sam’s Club credit card website on the Synchrony website here.
- Click on Register, and it will open a registration process. Enter your credit card account number and your ZIP code.
- Follow the on-screen prompts to create your username and password, and complete the verification process as well.
- Once registered, you can use these credentials to log in to your card account via an online dashboard.
How to Make Sam Club Credit Card Payments?
There are different methods to pay your Sam’s Club credit card bill, and we will discuss each of them.
Online
The online portal is the first and most popular method of paying your credit card bill. To do so, follow these simple steps and complete the transaction:
- Log in to your Sam’s Club credit card account from the official webpage.
- Enter your username and password and click on Login Button.
- Once logged in, go to the Payments section from the dashboard.
- Look for the Make Payments option and click on it.
- Now you will be required to enter the billing details like your credit card number, bank account number, and bank routing number.
- Click on Confirm Transaction after entering the amount and schedule of payment. That’s it!
Via Phone Call
A phone call is the second option if you want to make payment of your credit card bill without logging into your Sam’s Club credit card account. Here are simple steps to pay your credit card bill over the phone:
- Get your credit card, bank account, and bank routing number on paper.
- Make a call to the Sam’s Club Credit Card Customer Service number.
It is as follows:
- (800) 964-1917 for store card payments
- (866) 220-0254 for Sam’s Club Mastercard payments
- Follow the automatic prompts to make the payment.
- When asked, enter your 16-digit credit card number.
- Choose to make a payment and follow the on-call instructions to enter your billing information.
- After confirming the payment, wait for the confirmation number of your records. It’s all good now!
Via Mail
You also have an option of sending your credit card payment via mail. However, you will have to act timely as it can take 5-7 working days for your mail to reach the destination. To avoid late payment fees, you must send the payment early.
You can send your bill amount via checks or money orders. The mailing address for Sam’s Club credit card payment is as follows:
Sam’s Club Store Credit Card
PO Box 530942
Atlanta, GA 30353-0942
Customer service:
Via Call
Customer care support is available during working and normal business hours. You can call on the following number to talk to customer support: 800-964-1917
Alternatively, you can send your credit card-related queries to the mailing address of the Sam’s Club Credit cards
Sam’s Club Store Credit Card
PO Box 530942
Atlanta, GA 30353-0942