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Sam’s Club Discover® Card Review

The Sam's Club Discover Card gives you cash back for your Sam’s Club purchases. It’s a Discover® card so you use this card everywhere Discover® cards are accepted. You also get access to up to $100 cash in-store. This credit card has your photo on it and also becomes your membership card. There is no annual fee with this card.

  • A personal credit account that rewards you with cash back
  • All the Benefits of Advantage of Discover Credit
  • Earn up to 2% cash back*
  • Use everywhere Discover is accepted
  • In-Club cash access up to $100


The standard APR is between 12.37%* – 21.37%* (Variable)* depending on your creditworthiness. There is no introductory offer with this card. You need good credit to be approved for this card offer.

Cash Back Offer

The cash back terms for this card can be a bit misleading. The amount you can earn depends on what type of Club member you are. Here’s how it works:

  • Sam’s Club Advantage Plus Members: You can earn “up to 2% cash back” for your purchases. The terms say you have to spend $10,000 in order to receive the 2% cash back. Otherwise, you will earn .25% cash back for your purchases. Here’s the breakdown – .25% on total purchases up to $1,500, .50% on total purchases from $1,500.01 to $3,000, 1% on total purchases from $3,000.01 to $5,000, 1.75% on total purchases from $5,000.01 to $10,000 and 2% on total purchases from $10,000.01 to $250,000.
  • Sam’s Club Advantage Members and non-Members: The rewards for Sam’s Club Advantage Members and non-Members are .25% on total purchases up to $1,500, .50% on total purchases from $1,500.01 to $3,000 and 1% on total purchases from $3,000.01 to $250,000.

Once a year you will receive a rebate check as long as you have $5 coming back to you and the check has to be cashed at a Sam’s Club. If you are a frequent Sam’s Club shopper then the cash back offer might still be worth it.

If cash back is your goal then consider a card that offers more cash back like the Chase Freedom Visa. This card gives you 5% cash back on popular rotating categories and 1% back on all your other purchases, including Sam’s Club purchases. This is a better offer than the .25% offered by the Sam’s Club Discover® Card.

How To Apply for the Sam’s Club Discover® Card

You can apply for the Sam's Club Discover Card online or pick up an application at any Sam’s Club.