Sam’s Club is a membership-only retail warehouse offering bulk products and savings. The Sam’s Club credit card gives members extra perks like cashback.
This article covers the card’s benefits and critical details. It’s an excellent option for frequent shoppers looking for more value.
Sam’s Club Overview
It is a membership-based warehouse offering savings and bulk products. Members enjoy exclusive benefits and services designed to enhance their shopping experience.
Brief History and Membership Benefits
Founded in 1983, the club has grown to serve millions of members. It offers bulk shopping and exclusive discounts on a wide range of products.
Members also enjoy benefits like pharmacy, optical, and tire services. Two membership levels are available: Basic and Plus.
Plus members receive additional perks such as free shipping and early shopping hours. This structure allows flexibility based on shopping needs.
Connection Between Membership and Credit Card Benefits
Membership enhances credit card benefits, offering more savings. Cardholders earn cashback on everyday purchases like gas and dining.
The card provides extra rewards for Plus members, adding value to their experience. The credit card can also be used outside the store, making it versatile.
A membership ensures access to in-store and cardholder perks, creating more opportunities for members to save.
Types of Sam’s Club Credit Cards
Sam’s Club offers two types of credit cards, each providing unique benefits. Both cards are designed to help members maximize savings on purchases.
Sam’s Club Mastercard
This card gives members cashback rewards on everyday purchases, including gas and dining. It’s ideal for those who shop inside and outside the club.
Cashback Benefits
The card offers 5% cashback on gas, 3% cashback on dining, and 1% on all other purchases. It’s an excellent option for those who frequently buy fuel or dine out.
Cashback accumulates quickly and can be used for future purchases. Members can soon redeem these rewards to save more.
No Annual Fee for Members
There is no annual fee for active members, making it an excellent choice for those who want extra rewards without added costs.
Members can enjoy all the benefits without paying more. The card adds value to the membership by keeping expenses low.
Sam’s Club Store Card
The store card is designed for those who prefer shopping in-store or online. It works exclusively for purchases made within Sam’s Club or its online store.
In-Club and Online Purchases Only
This card is excellent for loyal shoppers who frequently purchase in-store or online. It offers convenient payment options for bulk shopping needs.
The downside is that it can’t be used outside Sam’s Club, limiting its flexibility. However, for dedicated members, it’s a solid option for regular use.
Benefits of Sam’s Club Credit Cards
These credit cards offer multiple ways for members to save and earn rewards. They also provide extra benefits for large purchases and added security.
Rewards Program: Cashback and How to Redeem It?
Members earn cash back on purchases like gas, dining, and more.
The cashback is automatically added to their account and can be redeemed online or in-store for future purchases.
This rewards program helps members save money without any extra steps.
Special Financing: Offers for Larger Purchases
Special financing is available for large purchases made at the store. Members can enjoy deferred interest on select items if paid in full within a certain period.
This helps spread out payments for more significant purchases, which is useful for those looking to manage costs effectively.
Additional Perks: Zero Fraud Liability and Extended Warranty
The card comes with zero fraud liability, protecting members from unauthorized purchases. It also extends the manufacturer’s warranty on items bought with the card.
These features add extra security and value. Members can shop with confidence, knowing they’re covered.
Interest Rates and Fees
Sam’s Club credit cards come with competitive rates and no extra charges for members. Here’s a breakdown of the fees involved.
Standard APR
The Variable Purchase APR for new accounts is 20.90% or 28.90%. The APR applies to purchases not paid off by the due date.
The minimum interest charge is $2.00 for both cards. It’s important to check individual terms to know your exact rate. Paying off the balance early helps avoid interest.
No Annual Fees for Members
There are no annual fees for those who hold an active membership, keeping the cost of the card low while still providing all benefits.
It’s a good option for those looking for rewards without extra charges. Members can enjoy the perks without worrying about yearly costs.
Late and Returned Payment Fees
Late fees can apply if you miss the payment due date, up to $40.
Additional charges are also incurred for returned payments, such as bounced checks. It’s important to make payments on time to avoid these fees.
Application Process
The application for a Sam’s Club credit card is straightforward and can be completed online or in-store. Below are the eligibility requirements and steps to apply.
Eligibility: Requires Sam’s Club Membership
To apply for the credit card, you need to meet these simple requirements:
- Active Sam’s Club membership is necessary.
- Applicants must be at least 18 (21 in Puerto Rico).
- A valid U.S. address is required for the application.
- A credit score check will be performed.
- Financial documentation might be requested for verification.
How to Apply: Online or In-Store Process
Applying for the card is easy and can be done in two ways:
- Online: Visit the Sam’s Club website and complete the application form.
- In-Store: You can apply at any Sam’s Club location at the customer service desk.
- Provide personal information like name, address, and social security number.
- Have proof of your membership and identification ready when applying.
Approval Time: Fast and Straightforward
Approval typically happens within minutes after submitting your application. Most applicants receive a decision right away.
If approved, your card will be issued and mailed to you. In-store approvals allow you to use the Sam’s Club credit card immediately.
Contact Information and Support
Customer service is available to assist if you have any questions or issues with your Sam’s Club credit card. Below is the contact information.
Customer Service Telephone Number and Support Address
For help with your card, reach out to the support team:
- Phone: (800) 964 – 1917
- Address: 2101 SE Simple Savings Dr, United States
The team is ready to assist with billing, lost cards, or account issues. Have your card number available for faster service.
Bottom Line on Sam’s Club Credit Card
The Sam’s Club credit card offers perks like cashback and no annual fee, ideal for frequent shoppers.
Its quick approval and security benefits make it a practical choice. Overall, it’s a smart way to enhance your membership and save more.
Disclaimer: All rates and terms are subject to change. Please review the official terms before applying for the card.