Sam’s Club Credit Card Overview & FAQ (2024)

What benefits does Sam’s Club Credit Card offer?

Sam’s Club MasterCard offers Sam's Cash when used in club or online.Sam's Cashearned during a reward period will be issued monthly and automatically loaded onto your Sam’s Club membership. Once available, redeem it for most online or club purchases or redeem it for cash in your local club.

FAQ:

How do I apply for the Sam’s Club Credit Card?

Apply at www.samsclub.com/content/credit or by visiting the Member Services Desk in any club.

What's required to apply for the Sam's Credit Card?

Where can I use my Sam’s Club Credit Card?

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.

Pay Online: Sign in or create an online account athttps://samsclub.syf.com/accounts/login.

Pay by Phone: Pay by phone by calling the number on the back of your card.

Pay by Mail: The address is located on the payment stub of your billing statement. You can also receive this info by calling the number on the back of your card and will also have the option to make your payment over the phone.

NOTE: Payments are usually posted to the account same day. Although payments "post" to the account, payments made by check will take 7-14 days to process and free up the open-to-buy. If you pay using cash or debit card, your open-to-buy is available immediately.

How do I pay Sam's Club credit card online

Can I pay my credit card bill at the club?

Credit card payments are no longer accepted at the Membership Desk.

What is Autobill?

Autobill is added to all Sam's Club credit accounts as a convenience for our members.

  • By automatically billing and renewing membership fees, you never have to worry about your membership expiring.

  • A receipt for an Autobillmembership renewal is available on your next monthly credit statement.

  • Should you wish to disable the automatic billing feature, please contact Sam's Club Credit:

    • Consumer Credit (PLCC): Accounts begin with 7714
      Call (800) 964-1917

    • Business Credit (BRC): Accounts begin with 7715
      Call (800) 203-5764

    • Consumer MasterCard: Accounts begin with 5213
      Call (866) 220-0254

    • Business MasterCard: Accounts begin with 5560
      Call (866) 220-2760

    • Direct Credit: Accounts begin with 040
      Call (800) 362-6196

Is Autobill the same as Auto Renew?

Automatic Billing charges your Sam's Mastercard for annual membership renewal, and it only applies to Sam's Club Credit Card holders.For help with Autobill, call the number on the back of your credit card or billing statement.

Auto Renewal renews your Membership with a card of your choice. Seehttps://help.samsclub.com/app/answers/detail/a_id/2386.

What benefits are there to opening an online account?

Create a credit account by visitinghttps://www.samsclub.syf.com.

  • Make a payment

  • Request a credit line increase

  • Update account information

  • View recent account activity

How do I set up paperless Sam's Club credit statements?

For Sam's Club Consumer Credit, call the number on the back of their credit card or:

  1. Visithttps://www.samsclub.syf.com
  2. Select/click "ManageYour Account" and choose theLoginfor Consumer Credit
  3. Select/click "Activity"
  4. Select/click "Statements"
  5. Select/click "Enroll in eStatements"

For Sam's Club Business Credit, call the number on the back of their credit card or:

  1. Visithttps://www.samsclub.syf.com
  2. Select/click "ManageYour Account"
  3. Choose theLoginfor Business Credit
  4. Login to eService
  5. Near the bottom of your Current Statement info, select "Enroll in Electronic Statements"

From the Account Summary page on both consumer and business credit accounts:

  1. Select/click "Paperless Statements" to turn ON or OFF
  2. Opt-in or opt-out of text and email alerts

What is a CVV Code on a credit card?

CVV Number or (Card Verification Value or Card Security Code or CVV2 number) is the 3-digit number typically found on the back of your credit or debit card. American Express® cards have a 4-digit numeric code, usually found on the front of the card.

Consumers are generally required to provide the CVV code for all online purchases. This helps protect purchasers and reduces fraud.

  • CVV numbers are NOT your card's secret PIN (Personal Identification Number)
  • Most CVV codes are 3-digits and most PIN's are 4-digits
  • PIN numbers are usually required when using a Credit/Debit card at an ATM or for cash advances

What types of credit issues can I get help with at the club?

For nearly any credit issues, please contact the number on the back of your card.

Clubs can help with these Sam's Credit issues:

  • Application processing
  • Sale authorization
  • Lost or Stolen cards - If cardholder number on the membership has changed

How does a temporary credit card work?

Temporary credit cards are valid for up to 14 days after an account is approved, or until the new, plastic credit card is received and activated.

Sam’s Club Credit Card Overview & FAQ (2024)

FAQs

How hard is it to get approved for a Sam's credit card? ›

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.

What is the highest limit on Sam's Club credit card? ›

The credit limit for the Sam's Club Credit Card typically ranges from $1,000 to $10,000, although reports indicate it's possible to get higher limits. Your credit limit on your Sam's Club Credit Card is determined by multiple factors, including your annual income and credit history.

Is Sam's Club credit card a hard inquiry? ›

Yes, the Sam's Club® Credit Card does a hard pull on your credit report when you apply.

What credit score do you need for a Sam's credit card? ›

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.

What credit bureau does Sam Club pull from? ›

When you apply for a Sam's Club Business Store Card, the lender is most likely to check your credit report from TransUnion.

Is Sam's Club credit card instant approval? ›

Applying for a Sam's Club Card

Some applicants may be approved instantly (there are many other instant approval cards as well). However, other applications may require further review, resulting in a waiting period of 7 to 10 days. Generally, a “good” credit score is necessary to secure a Sam's Club card.

What is the difference between Sam's Club credit card and 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.

What is an excellent credit card limit? ›

If you're just starting out, a good credit limit for your first card might be around $1,000. If you have built up a solid credit history, a steady income and a good credit score, your credit limit may increase to $5,000 or $10,000 or more — plenty of credit to ensure you can purchase big ticket items.

What bank issues Sam's Club credit cards? ›

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

Can I use my Sam's credit card at Walmart? ›

The Capital One® Walmart Rewards™ Mastercard® and the Synchrony Bank-issued Sam's Club® Mastercard® are "open-loop" cards, meaning they can be used anywhere Mastercard is accepted.

How do I increase my credit limit at Sam's Club? ›

You can get a Sam's Club® Credit Card credit limit increase by requesting it online or by calling (800) 964-1917. Currently, the issuer doesn't offer automatic increases. Keep in mind that credit limit increases might result in a hard pull on your credit.

How do I know if I got approved for Sam's Club credit card? ›

How to Check Your Application Status. Call (800) 964-1917. Follow the automated prompts that lead to an application status check, or connect with a representative and tell them you'd like to check your Sam's Club® Credit Card application status.

Is it hard to get approved for a Sam's Club Mastercard? ›

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...

What credit cards does Sam's Club not accept? ›

Sam's Club accepts all major credit cards drawn from U.S. based accounts, excluding territories and/or municipalities. International credit cards are not accepted in club or online.

Can I use my own credit card at Sam's Club? ›

Bottom Line. Sam's Club accepts all major credit cards, including Visa, Mastercard, American Express, and Discover. All of these options make it easy for members to pay with their favorite credit card at check out. Plus, customers can always pay with cash, debit cards, checks, SNAP and Sam's Club and Walmart gift cards ...

How hard is it to get a Sam's Club card? ›

How to join at the Club: Just visit any club location and apply at the Membership Desk. Start shopping online once all required information is submitted and you're approved!

Can you be denied a Sam's Club membership? ›

Sam's Club Home Office reserves the right to accept, refuse, or revoke Membership without cause. Actionable offenses include: Writing bad checks Shoplifting Violent behavior Abusive, disrespectful or...

What bank is good Sam credit card? ›

Good Sam Rewards Credit Card Accounts are issued by Comenity Capital Bank. Good Sam Rewards Visa® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc.

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