Sam's Club Personal Credit

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  • Acceptance at all Sam's Club and Walmart® locations nationwide
  • Exclusive to members
  • No annual fee†
  • Doubles as your membership card
  • Member photo on card protects you from fraudulent use
  • Online account access at SamsClub.com/credit
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Good Credit, Above Average Credit Personal $0* N/A* N/A* 22.9%* None


Quick Summary:
This Store offer is issued by Synchrony Bank. This card is intended for consumers, or "personal use" with a good to perfect credit history. APR's may vary among applicants, however the lowest standard APR is 22.9%* (Variable)*.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. There is no annual fee for this card.*

Rewards:
This is not a rewards card.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a fairly solid credit record, with no recent negative marks on their report. A FICO credit score of 669 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Synchrony Bank product.

Other Basics:
The grace period listed for the Sam's Club Personal Credit is at least 23 days*. So interest charges will not be applied for new purchases during this time.

This is a store or catalog card, not a traditional credit card. Acceptance of this card is normally bound to the merchandiser.

Approval Rate:
There were 13 people that reported their status to us after they applied. They provided us with helpful qualification information, including their credit scores, the rates offered to them, household income and more. 100% of those applicants were approved.

The approval rate for this card is moderately high. Furthermore, if your FICO score is close to or higher than 669, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 7 users recommend this card.

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