Manage your Sam’s Club® credit card account anytime, anywhere.
Pay your bill, view balance, transactions, set alerts, and more.
Sam’s Club Mastercard® Benefits
There are so many ways to earn Sam's Cash with a Sam's Club Mastercard**
back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
back in Sam’s Cash on Sam’s Club purchases for Plus members. (Club members earn 1%).
back in Sam’s Cash on dining and takeout.
back in Sam’s Cash on other purchases.
- No annual fee.†
- Accepted at Sam’s Club and Walmart® nationwide.
- Doubles as your membership card.
- Zero fraud liability for unauthorized use.‡
- 24/7 online account management.
- Contactless pay, just Tap & Go®.
- No foreign transaction fees.†
Sam’s Club Credit Card Benefits
- No annual fee.†
- Accepted at Sam’s Club and Walmart® nationwide.
- Doubles as your membership card.
- Zero fraud liability for unauthorized use.‡
- 24/7 online account management.
Frequently asked questions
Have questions? We have answers.
How do I apply for a Sam’s Club® Credit Card or a Sam’s Club Mastercard®?
Visit www.samsclub.com/credit, click “apply now” or “see if you prequalify” and get a decision in seconds with no impact to your credit score.
When you apply or see if you prequalify, you will first be considered for the Sam’s Club Mastercard. If you are not approved for or prequalify for the Sam’s Club Mastercard, you will then be considered for a Sam’s Club Credit Card, which does not earn Sam’s Cash.
What are the benefits of a Sam’s Club® Mastercard®?
- There are so many ways to earn Sam's Cash™ with a Sam's Club Mastercard®**
- Earn 5% back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
- Earn 3% back on Sam’s Club purchases for Plus members (Club members earn 1%).
- Earn 3% back on dining and takeout.
- Earn 1% back in Sam’s Cash on other purchases.
- No annual fee.†
- Accepted at Sam’s Club and Walmart® nationwide.
- Doubles as your membership card.
- Zero fraud liability for unauthorized use.‡
- 24/7 online account management.
- Contactless pay, just Tap & Go®.
- No foreign transaction fees.†
What are the benefits of a Sam’s Club® Credit Card?
- No annual fee.†
- Accepted at Sam’s Club and Walmart® nationwide.
- Doubles as your membership card.
- Zero fraud liability for unauthorized use.‡
- 24/7 online account management.
Do I need a Sam’s Club® membership to apply for a Sam’s Club credit card?
Yes, you need to be a Sam’s Club member to apply for a Sam’s Club credit card. To learn more about membership, visit Join the Club.
As a Sam’s Club® Credit Card or Sam’s Club® Mastercard® cardmember, how do I log in to my online credit card account?
Sign in to your account at SamsClub.Syf.com and enter the required information to login.
How do I register my Sam’s Club ® Credit Card or Sam’s Club Mastercard ® account for online servicing?
Sign in to your account at SamsClub.Syf.com, enter the required information, then create a username and password.
How do I pay my Sam’s Club® Credit Card or Sam’s Club Mastercard® bill online?
Login to manage your credit card account at SamsClub.Syf.com. You can pay your bill, set up monthly payments, customize your notifications and more. Don’t want to login? Select “Pay as Guest”
How do I view my Sam’s Club® Credit Card or Sam’s Club® Mastercard® statements online?
Login to your account at SamsClub.Syf.com and select “Statements” to view your billing statements.
Can I use my Sam's Club® Credit Card or Sam's Club® Mastercard® in Scan and Go?
Yes, you can use your Sam's Club Credit Card or Sam's Club Mastercard in Scan and Go! For more information and to download the Sam’s Club app, visit https://www.samsclub.com/content/scan-and-go
How do I activate my Sam’s Club Mastercard or Sam’s Club Credit Card?
Click here to activate your new Sam’s Club Mastercard or Sam’s Club Credit Card.
Can I use my Sam's Club Mastercard® in Google Pay™ or Samsung Pay®?
Yes, simply add your Sam's Club Mastercard to Google Pay™ or Samsung Pay® wallet for contactless payment wherever you shop outside of Sam’s Club. Learn more
Can I use my Sam’s Club® credit card at Walmart?
Yes, you can use your Sam’s Club Credit Card and Sam’s Club Mastercard at Walmart® locations nationwide and on Walmart.com.
Where can I manage my Sam’s Club® Business Credit Card or Sam’s Club® Business Mastercard® account?
Login to manage your Sam’s Club Business Mastercard or Sam’s Club Business Credit Card accounts at sams.syf.com/commercial. You can make payments, access invoices, view account details, download transaction details, and more.
What are the benefits of a Sam’s Club® Business Mastercard®?
- There are so many ways to earn Sam's Cash™ with a Sam's Club Business Mastercard®**
- Earn 5% back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%).
- Earn 3% back on Sam’s Club purchases for Plus members (Club members earn 1%).
- Earn 3% back on dining and takeout.
- Earn 1% back in Sam’s Cash on other purchases.
- No annual fee.†
- Accepted at Sam’s Club and Walmart® nationwide.
- Doubles as your membership card.
- Zero fraud liability for unauthorized use.‡
- 24/7 online account management.
- Contactless pay, just Tap & Go®.
- No foreign transaction fees.†
What are the benefits of a Sam’s Club® Business Credit Card?
- No annual fee.†
- Accepted at Sam’s Club and Walmart® nationwide.
- Doubles as your membership card.
- Zero fraud liability for unauthorized use.‡
- 24/7 online account management.
How do I apply for a Sam’s Club® Business Credit Card or a Sam’s Club® Business Mastercard ®?
Visit www.samsclub.com/credit, scroll down the page and click on the banner “Apply for the Sam’s Club Business credit card”.
When you apply, you will first be considered for the Sam’s Club Business Mastercard. If you are not approved for the Sam’s Club Business Mastercard, you will then be considered for a Sam’s Club Business Credit Card, which does not earn Sam’s Cash.
Where can I learn more about Sam’s Cash™?
Visit SamsClub.com to learn more about Sam’s Cash, including how to use it, more ways to earn it, and where to track your available Sam’s Cash and earnings.
**Sam’s Club® Mastercard® cardholders earn Sam’s Cash on eligible net purchases (less credits, returns, taxes and adjustments) made with their Sam’s Club® Mastercard® account. Rewards percentages depend on the type of purchase made. Sam’s Cash is not earned on the following purchases or transactions at Sam’s Club or SamsClub.com: cash advances, tobacco and smoking related products (including electronic cigarettes), prescription purchases, reloading or purchases of prepaid cards, gift cards (including third party gift cards), traveler’s checks or any cash equivalents. Maximum of $5,000 in Sam’s Cash can be earned in a calendar year. Eligible purchases on multiple Card Accounts for the same Sam’s Club member, including business and personal accounts, will be aggregated in determining the $5,000 maximum Sam’s Cash per year. Sam’s Cash earned under the Sam’s Club Mastercard Rewards Program will be issued and combined with all other Sam’s Cash earned under the Sam’s Cash Loyalty Rewards Program, within 1-2 billing cycles after being earned. Sam’s Cash is forfeited if the Sam’s Club® Mastercard® account is not in good standing (i.e., is delinquent) or if the Sam’s Club Membership terminates or lapses. Sam’s Cash earned will be automatically loaded onto your Sam’s Club membership and may be redeemed only at a Sam’s Club location or at SamsClub.com. See the “How to Earn Sam’s Cash with your Sam’s Club Mastercard” rewards program terms for details. Subject to credit approval.
†New Accounts as of 3/31/25: Min Interest Charge $2. Sam’s Club Credit Card: Variable Purchase APR 28.90%. Sam’s Club Mastercard: Variable Purchase APR 20.90% or 28.90%. Variable Cash APR 25.90% or 31.90% and 3% Fee ($5 min).
‡Unauthorized use does not include charges by a person to whom you have given authority to use your account or card, and you will be liable for all use by such person.
Google Pay and the Google Pay logo are trademarks of Google LLC.
Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd..
The Sam’s Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, World Elite Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.