What Credit Cards Does Sam's Club Accept as Payment

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Sam's Club is known for accepting a wide range of credit cards for payment.

Visa, Mastercard, American Express, and Discover are all accepted at Sam's Club.

You can also pay with credit cards from various banks, including Bank of America, Chase, and Wells Fargo.

Sam's Club accepts credit cards with no foreign transaction fees, making it a convenient option for international shoppers.

What Credit Cards Does Sam's Club Accept

Sam's Club accepts all major credit cards, including Visa, Mastercard, American Express, and Discover. You can use these cards for purchases at Sam's Club locations.

The Sam's Club Mastercard is a great option, especially if you're a Plus member, which costs $100 a year. This card earns 5% cash back at eligible gas stations, including those at Sam's Club, and 3% back on dining.

You can also use your Sam's Club Mastercard at over 10.7 million merchant locations in the U.S. and millions more worldwide, wherever Mastercard is accepted.

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Here are the details on the Sam's Club credit cards:

  • Sam's Club credit card: can be used only at Sam's Club and Walmart
  • Sam's Club Mastercard: can be used anywhere Mastercard is accepted and offers cashback rewards
  • Both cards have no annual fees beyond a Sam's Club membership
  • Both cards are issued by Synchrony Bank

The Sam's Club Mastercard has a unique rewards structure, offering 5% cash back at eligible gas stations, 3% back on dining, and 1% back on all other purchases. However, as a Plus member, you'll earn an additional 3% cash back on Sam's Club purchases, on top of the 2% rewards you already earn.

Take a look at this: Sam's Club Card Cash Back

Walmart and Sam's Club

Walmart and Sam's Club have a long history of accepting various credit cards for transactions.

Both Walmart and Sam's Club accept the Walmart Credit Card, which can be used for purchases at any Walmart store or on Walmart.com.

Sam's Club members can also use their Sam's Club Mastercard for purchases at Sam's Club stores or online.

Walmart and Sam's Club have a partnership with American Express, allowing customers to use their American Express cards for purchases at both stores.

The Discover card is another option accepted by Walmart and Sam's Club for transactions.

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Mastercard Information

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The Sam's Club Mastercard is a cash-back credit card that's available to Sam's Club members. It offers 5% back on gas (on the first $6,000 per year, then 1% after) and 3% on dining and takeout.

You can earn up to $5,000 cash back each year with the Sam's Club Mastercard. The rewards are issued within one to two billing cycles of being earned and are easy to use at Sam's Club.

To get approved for the Sam's Club Mastercard, you'll want to have a credit score of at least 700. This will give you the best chance of being accepted for the card.

Here are the ways you can earn cash back with the Sam's Club Mastercard:

  • 5% back on the first $6,000 per year on fuel purchases
  • 3% back on qualified travel and dining purchases
  • 1% back on any other purchase

There are no foreign transaction fees or annual fees for this card, making it a great option for those who want to earn cash back without paying extra.

Sam's Club Credit Cards

Sam's Club offers two credit cards: the Sam's Club credit card and the Sam's Club Mastercard. You need a current Sam's Club membership to sign up for and use either card.

A close-up of a man holding a wallet containing credit cards and an ID inside a room.
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Annual membership starts at $45 and is automatically billed to your card. You'll need good or excellent credit to be approved for either card.

The Sam's Club credit card can be used only at Sam's Club and Walmart. The Sam's Club Mastercard can be used anywhere Mastercard is accepted and offers cashback rewards.

Both cards come with no annual fees beyond a Sam's Club membership. The Sam's Club Mastercard offers 5% back on gas, but only on the first $6,000 per year, then 1% after.

Here's a quick comparison of the two cards:

You can earn cashback rewards with the Sam's Club Mastercard, but you'll need to have a Plus membership to earn rewards on Sam's Club purchases.

Frequently Asked Questions

What credit card company does Sam's Club use?

The Sam's Club Mastercard is issued by Synchrony Bank, a leading credit card issuer, under a license from Mastercard International Incorporated. To learn more about the rewards program and terms, visit the official website.

When did Sam's Club start taking credit cards?

Sam's Club started accepting credit cards in 1986, marking a significant shift from its original cash and carry model. This change allowed members to pay with credit cards for the first time.

Can I use my Walmart credit card at Sam's Club?

Yes, you can use your Walmart Credit Card at Sam's Club for in-store and gas purchases. Additionally, it can be used online for purchases from SamsClub.com.

What cards are not accepted at Sam's Club?

Sam's Club does not accept international credit cards or those from U.S. territories and municipalities. International and certain U.S. credit cards are excluded from acceptance.

When did Sam's Club start accepting Visas?

Sam's Club started accepting Visa credit cards in its stores on February 1, 2016. This marked a change from only accepting Visas for online purchases prior to this date.

Victoria Funk

Junior Writer

Victoria Funk is a talented writer with a keen eye for investigative journalism. With a passion for uncovering the truth, she has made a name for herself in the industry by tackling complex and often overlooked topics. Her in-depth articles on "Banking Scandals" have sparked important conversations and shed light on the need for greater financial transparency.

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