Sam's Club Mastercard
Basic Information
Program ID: sams-club-mastercard
Issuer: Synchrony
Card Type: Credit
Network: Mastercard
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 18:45
Last Scraped: 01/15/2026 08:27
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 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: $50.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Statement credit typically posts to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Cashback
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5% Gas, 3% Dining & Takeout
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Sam's Cash is issued annually in February for the previous year's earnings and expires 90 days from the date of issue.
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 800
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Varies
Issuer Rules
Rules: The Sam's Club Mastercard, issued by Synchrony, offers ongoing cash back rewards. For 2026, the expected reward structure is: 5% cash back on eligible gas purchases (on the first $6,000 spent per year, then 1%), 3% cash back on dining and travel, and 1% cash back on all other purchases. Sam's Club Plus members receive an additional 2% cash back on qualifying in-club and online purchases (up to $500 per year) on top of the 1% from the Mastercard, effectively making it 3% on Sam's Club purchases for Plus members. Cash back is typically issued annually as a Sam's Club 'Cash Rewards' certificate. Eligibility requirements include an active Sam's Club membership. Applicants are generally expected to have good to excellent credit (FICO score typically 670+). Synchrony is known to be sensitive to recent credit inquiries and overall credit exposure, especially across their own product portfolio. Income verification may be requested during the application process.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: N/A for traditional welcome bonus; benefits are ongoing cash back.
Shutdown Risk Triggers: Manufactured spending (especially in bonus categories like gas), rapid accumulation of Synchrony credit cards, high cumulative credit limit across Synchrony accounts relative to reported income, suspicious or unusual spending patterns inconsistent with typical consumer behavior, late payments or defaults on any Synchrony account, and abuse of return policies or cash back redemption mechanisms.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
Excellent rewards on gas purchases (5%) and good cash back for Sam's Club and dining (3%). No annual fee and accepted anywhere Mastercard is.
Top Negative Feedback:
Synchrony Bank's customer service can be inconsistent. The rewards rate for general purchases (1%) is low, and the APR can be high.
Approval Experience Score: 65.0 / 100
Recommended Alternatives
- Costco Anywhere Visa Card by Citi
- Amazon Prime Rewards Visa Signature Card
- Discover it Cash Back
Card Value Score: 75.0 / 100
Est. Annual Rewards: $405.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 65% General / 35% Store-focused
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 78.0%
Terms Version Control
Version ID: v1.0