Sam’s Club Mastercard
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The Sam's Club Mastercard is a cash back card designed for Sam’s Club members. It has a signup bonus worth $50, no annual fee, and extra reward earnings for Plus members, but has low reward earnings for non-Plus members. It doesn’t have an annual fee, but you do need to be a Sam’s Club member to apply for the card (membership is currently $50 a year for Club and $110 a year for Plus membership). If you’re already a Sam’s Club member, this is a good card. We dive into the details and your approval odds in this Sam's Mastercard review.
Our Rating
3.7/5.0
Welcome Offer
$50 statement credit
Annual Fee
$0
0% on Purchases
None
Reward Rate
1% – 5% back in Sam’s Cash
0% on Balance Transfers
None
Welcome Offer
Get a $50 statement credit when you open a new account and make $50 in Sam’s Club purchases within 30 days.
Features & Benefits
| Security | EMV Chip Enabled, Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
| Benefits | 24/7 customer service |
| Travel Perks | None |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 20.90% or 28.90% (V) APR |
What Credit Score Is Required to Get the Sam's Club Mastercard
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 520
Average Approved Credit Score: 694
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 07/11/2022 | Equifax | ||
| Approved | 07/11/2022 | Experian | ||
| Approved | 04/07/2022 | TransUnion | ||
| Approved | 06/29/2022 | TransUnion | ||
| Approved | 07/11/2022 | TransUnion | ||
| Approved | 08/21/2022 | Not Provided | ||
| Approved | 01/29/2023 | Not Provided | ||
| Denied | 12/04/2022 | Experian |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 5% in Sam's Cash
- High APR
- Reward system is complicated
What Are the Best Alternatives?
Costco Anywhere Visa® Card by Citi
Rating
4.4
Rewards Range
1%-4%
Annual Fee
$0
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0