Sam's Club Credit Card

Synchrony Pending

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19

Benefits

6

Reward Categories

5x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: sams-club-credit-card

Issuer: Synchrony

Card Name: Sam's Club Credit Card

Card Type: Credit

Network:

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:47

Last Scraped: Feb 07, 2026 04:45

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 6 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Gas & EV Charging	5x	Cash Back	Gas and EV charging purchases at Sam's Club and most other gas stations.	$6,000
Sam's Club Purchases (Plus Members)	3x	Cash Back	Sam's Club purchases for Plus members.	No Cap
Dining & Takeout	3x	Cash Back	Dining and takeout purchases.	No Cap
Gas & EV Charging (After Cap)	1x	Cash Back	Gas and EV charging purchases at Sam's Club and most other gas stations after the first $6,000 in purchases per year.	No Cap
Sam's Club Purchases (Club Members)	1x	Cash Back	Sam's Club purchases for Club members.	No Cap
All Other Purchases	1x	Cash Back	All other purchases everywhere else Mastercard is accepted.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 5x

Categories: 5% on eligible gas (on first $6,000 per year, then 1%), 3% on dining and travel, 1% on all other purchases

Quarterly Rotating: No

Cap Amount: $6,000.00

Expiration Policy: Earned cash back does not expire as long as the account remains open and in good standing. Cash back is issued annually in February for the previous year's earnings. Rewards may be forfeited if the account is closed or not in good standing prior to issuance.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Cash back is typically issued as a Sam's Club Cash certificate, redeemable at Sam's Club locations or SamsClub.com. Rewards are forfeited if the account is closed or not in good standing.

Benefits & Protections (Detailed) 19 Total

PENDING

Purchase Protection 3

Purchase Protection

Up to $1,000 per claim, $10,000 per year

Reimburses for eligible items purchased with the card that are stolen or damaged within a specified period (e.g., 90 days) from the date of purchase.

Extended Warranty Protection

Up to an additional year on warranties, up to $1,000 per claim, $10,000 per year

Extends the original manufacturer's or store brand warranty for eligible items purchased with the card. Applies to warranties of five years or less.

Return Protection

Up to $250 per claim, $1,000 per year

Reimburses for eligible items purchased with the card that a store won't take back within a specified period (e.g., 60 days) from the date of purchase.

Rewards 6

5% Cash Back on Eligible Gas Purchases

5% cash back (up to $6,000 annually), then 1%

Earn 5% cash back on eligible gas purchases at Sam's Club and other gas stations, up to the annual maximum. After reaching the annual maximum, earn 1% cash back on gas purchases.

3% Cash Back on Eligible Dining and Travel Purchases

3% cash back

Earn 3% cash back on eligible dining and travel purchases made with your card.

1% Cash Back on Eligible Sam's Club and SamsClub.com Purchases

1% cash back

Earn 1% cash back on eligible purchases made at Sam's Club and SamsClub.com.

1% Cash Back on All Other Eligible Purchases

1% cash back

Earn 1% cash back on all other eligible purchases made everywhere else Mastercard is accepted.

Annual Cash Back Maximum

Up to $6,000 cash back annually

The total cash back earned across all categories is capped annually. Once this maximum is reached, subsequent purchases in the 5% gas category will earn 1% cash back.

Cash Back Redemption as Sam's Club Cash

Redeemable as Sam's Club Cash

Cash back earned is automatically loaded onto your Sam's Club membership as Sam's Club Cash, which can be used for purchases at Sam's Club and SamsClub.com.

Security 2

Zero Liability Protection

Full protection against unauthorized charges

You are protected against unauthorized purchases made with your card. You pay only for purchases you have authorized.

Mastercard ID Theft Protection

Identity theft monitoring and resolution services

Provides identity theft resolution services, including monitoring, alerts, and assistance with restoring your identity if it's stolen.

Travel 3

Mastercard Global Service

24/7 emergency assistance

Provides emergency assistance services anytime, anywhere, for lost or stolen cards, emergency cash advances, and emergency card replacement.

Mastercard Airport Concierge

15% savings on services

Access to a personal, dedicated meet-and-greet agent at over 450 airports worldwide to assist with baggage, customs, and connections. Cardholders receive a discount on services.

Mastercard Travel & Lifestyle Services

Dedicated concierge service

Access to a dedicated concierge service for travel planning, dining reservations, event tickets, and other lifestyle needs.

Travel Insurance 5

Travel Accident Insurance

Up to $250,000

Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card.

Car Rental Collision Damage Waiver

Up to $50,000

Provides secondary coverage for physical damage and theft of most rental vehicles when the rental is paid for with the card and the rental company's CDW is declined.

Baggage Delay Insurance

Up to $100 per day for 3 days

Reimburses for the purchase of essential items when checked baggage is delayed for a specified period (e.g., 4 hours or more) on a common carrier.

Lost Luggage Insurance

Up to $3,000 per trip

Reimburses for the actual cost of replacing lost or stolen checked or carry-on luggage and its contents.

Trip Cancellation/Interruption Insurance

Up to $1,500 per trip

Reimburses for non-refundable passenger fares if a trip is canceled or interrupted for covered reasons (e.g., illness, severe weather) when the trip is paid for with the card.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Penalty APR:	29.99%
Min Interest Charge:	$2.00

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$30.00
Balance Transfer:	Either $10 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 21.24% - 31.99%

Balance Transfer APR: 31.99%

Cash Advance APR: 31.99%

Intro APR Offers

Promo Financing: Deferred Interest

⚠️ Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the promotional period. Minimum monthly payments are required. See card agreement for details.

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

580 - 669

Approval Odds

Fair

Soft Pull Support

Hard Pull Only

Application Process

Prequalification

Not Available

Preapproval

Not Available

Credit Bureau

Not specified

Issuer Rules & Policies

PENDING

Rules: Eligibility for the Sam's Club Mastercard in 2026 requires applicants to be at least 18 years old, possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), be a U.S. resident, and maintain an active Sam's Club membership (Club or Plus). Approval is subject to Synchrony's creditworthiness assessment. New cardholder bonus offers typically involve a statement credit or bonus cash back after meeting a specified spending threshold within the first 90 days of account opening (e.g., spend $30 at Sam's Club to receive a $30 statement credit).

Max Cards Per Issuer: 4

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, excessive cumulative credit limit across Synchrony accounts, rapid application for multiple Synchrony cards, delinquent payments on any Synchrony account, unusual spending patterns inconsistent with typical Sam's Club purchases, or abuse of rewards programs/return policies.

Cliff Effect Rules: New cardholder bonus offers are generally limited to applicants who have not held the Sam's Club Mastercard within the past 12-24 months. Existing cardholders are typically ineligible for new cardholder acquisition bonuses.

Special Events: Member-only savings events (e.g., 'Instant Savings' periods), seasonal product launches, special 'Open House' or 'Guest Pass' events for non-members (often with sign-up incentives), and exclusive fuel discount promotions for cardholders.

Holiday Promos: Black Friday/Cyber Monday week (late November), Christmas/New Year's holiday season (November-December), Back-to-School season (July-August), Mother's Day/Father's Day (May-June), and Fourth of July sales.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.9 / 5.0

Top Positive:
Excellent rewards on gas and Sam's Club purchases, especially beneficial for frequent shoppers and those who fill up their tanks often. The card offers good value within the Sam's Club ecosystem.

Top Negative:
Frequent complaints about Synchrony Bank's customer service, including difficulties resolving issues, payment processing problems, and unexpected credit limit reductions. High APR is also a concern for those who carry a balance.

Approval Experience: 68.0 / 100

Recommended Alternatives

Costco Anywhere Visa Card by Citi
Amazon Prime Rewards Visa Signature Card
Chase Freedom Unlimited

Card Value Score: 75.0 / 100

Est. Annual Rewards: $420.00

Approval Probability: 65.0%

Version Control

PENDING

Version ID: October 2023