Sam's Club Mastercard
Basic Information
Program ID: sams-club-credit-card
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:47
Last Scraped: 01/15/2026 08:29
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | N/A |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,024.00% - 2,999.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $30.00
Spending Requirement: $30.00
Time Period: 30 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the qualifying purchase posts and the spending requirement is met.
Rewards Program
Reward Type: Cash Back
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5% Gas (up to $6,000 annually), 3% Dining, 3% Travel, 1% Sam's Club & other purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Rewards are issued annually in February for the previous year's earnings and must be redeemed within 90 days of issuance. Unredeemed rewards expire.
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 640 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For the Sam's Club Credit Card (store card version), applicants must be at least 18 years old, a U.S. resident, possess a valid Social Security Number or ITIN, and meet Synchrony's creditworthiness criteria. While not strictly required for application, active Sam's Club membership is highly recommended to maximize card benefits and is often a prerequisite for the co-branded Mastercard version. A typical sign-up bonus for 2026 is a $30 statement credit after spending $30 on qualifying Sam's Club purchases within the first 30 days of account opening.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (though less common for store cards), rapid accumulation of multiple Synchrony credit lines, high cumulative credit limit across Synchrony accounts, excessive returns, suspicious spending patterns, or defaulting on any Synchrony-issued credit product.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.7 / 5.0
Top Positive Feedback:
Strong rewards on Sam's Club purchases and gas, no annual fee for the card itself, widely accepted as a Mastercard, beneficial for frequent Sam's Club members.
Top Negative Feedback:
Requires Sam's Club membership, rewards are limited to Sam's Cash, high APR, some users report issues with Synchrony customer service.
Approval Experience Score: 72.5 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Amazon Prime Rewards Visa Signature Card
- Citi Custom Cash Card
Card Value Score: 78.5 / 100
Est. Annual Rewards: $640.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 72 months
Store vs Co-brand: 60% General / 40% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: Effective October 2023