The Sam's Club Consumer Credit card featured on this page was a private-label credit card for Sam's Club members. It was designed primarily for purchases at Sam's Club and Walmart rather than for general purchases everywhere credit cards are accepted.

Finance Globe has retained the original card information and community reviews because they may be useful to former cardholders, consumers researching an older account and people comparing previous Sam's Club credit-card terms with today's products.

Sam's Club Consumer Credit at a Glance

• Card type: Private-label retail credit card
• Membership: A Sam's Club membership was required
• Where it was accepted: Sam's Club and Walmart locations
• Annual fee: The archived Finance Globe listing recorded a $0 card annual fee
• Rewards: No rewards were recorded for this version of the card
• Additional function: The card could also serve as the cardholder's Sam's Club membership card

The $0 annual fee shown in the historical listing referred to the credit card. A separate paid Sam's Club membership was still required.

How the Historical Sam's Club Consumer Credit Card Worked

This was a store credit card rather than a general-purpose Mastercard. Cardholders could use it for eligible purchases at Sam's Club and Walmart, but it was not intended for purchases at unrelated merchants.

The original Finance Globe listing highlighted nationwide acceptance at Sam's Club and Walmart, online account access and the ability to use the card as a membership card. An older version also included the member's photograph on the card. That feature should be treated as historical and may not apply to cards issued today.

Is the Sam's Club Consumer Credit Card Still Available?

Sam's Club continues to offer consumer credit cards, but applicants should not rely on the archived rates or features shown on this page.

The current consumer lineup generally includes two different products:

• Sam's Club Credit Card: A private-label card accepted at Sam's Club and Walmart. The current store card does not earn Sam's Cash.
• Sam's Club Mastercard: A general-purpose Mastercard that can be used wherever Mastercard is accepted and may earn Sam's Cash on eligible purchases.

According to the current issuer information, applicants are first considered for the Sam's Club Mastercard. Applicants who do not qualify for that card may then be considered for the private-label Sam's Club Credit Card. Approval is not guaranteed, and current terms should be reviewed before applying.

Current product information and applications are available through Sam's Club and Synchrony Bank.

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Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards	Reviews
Excellent Credit, Good Credit, Above Average Credit	Consumer	$0*	N/A	N/A	14.99% - 29.99% APR	Cash Back	Be the first to write one

Historical Fees and Interest Rates

Finance Globe's archived database recorded the following information for this version of the card:

• $0 annual fee for the credit card
• No introductory balance-transfer APR
• No introductory purchase APR
• A variable regular APR ranging from 14.90% to 22.90%
• No rewards program recorded

These figures are historical. They should not be used to estimate the APR, credit limit, fees or other terms an applicant might receive today. Current terms are determined by the issuer and may differ substantially.

Using the Card at Sam's Club and Walmart

The historical Consumer Credit card was designed for Sam's Club members who regularly shopped at Sam's Club or Walmart. Because it was a private-label account, it did not provide the broader acceptance of a Mastercard.

That distinction remains important when comparing current Sam's Club cards. The current Sam's Club Credit Card is the more limited store-card product, while the Sam's Club Mastercard can be used outside Sam's Club and Walmart wherever Mastercard is accepted.

Payments and Account Access

Current Sam's Club consumer credit cards are issued by Synchrony Bank. Existing cardholders can manage their accounts, review transactions, access statements and make payments through the official Synchrony account-servicing website.

Cardholders should use SamsClub.Syf.com or follow the credit-account link from Sam's Club. Do not enter a card number, password or payment information on Finance Globe.

If an older card or statement lists different instructions, use the website or telephone number printed on the current statement or on the back of the card.

Who the Sam's Club Credit Card May Be Useful For

A current Sam's Club credit card may be worth considering for someone who:

• Already maintains a Sam's Club membership
• Frequently shops at Sam's Club or Walmart
• Wants one card to function as both a payment card and membership card
• Can pay the statement balance in full and avoid interest charges
• Understands the difference between the store card and the Mastercard

Important Things to Consider

• A paid Sam's Club membership is separate from the credit card and may be required to apply.
• The private-label card has more limited acceptance than the Mastercard.
• A $0 card annual fee does not eliminate the cost of Sam's Club membership.
• Interest charges can outweigh shopping or rewards benefits when a balance is carried.
• Current rewards, APRs and promotional offers may change and should be verified with the issuer.
• The historical Finance Globe credit category is not a guarantee or prediction of approval.

Finance Globe Community Reviews

Finance Globe has retained seven community reviews associated with this historical listing. These reviews can provide useful context about older cardholder experiences, but they may describe previous servicing practices, benefits or account terms.

Readers should pay attention to the date of each review and should not assume that an older experience reflects the current Sam's Club or Synchrony Bank credit-card program.

Frequently Asked Questions

Is the Sam's Club Consumer Credit card discontinued?

The specific terms shown in this archived Finance Globe listing are no longer maintained as a current offer. However, Sam's Club continues to offer a private-label Sam's Club Credit Card as well as a Sam's Club Mastercard.

Is the Sam's Club Consumer Credit card a Mastercard?

The historical card described on this page was a private-label store card, not a general-purpose Mastercard. Sam's Club also offers a separate Mastercard product.

Can the Sam's Club Credit Card be used at Walmart?

Current issuer information states that both the Sam's Club Credit Card and Sam's Club Mastercard are accepted at Sam's Club and Walmart. The Mastercard can also be used wherever Mastercard is accepted.

Does the Sam's Club Credit Card have an annual fee?

The historical Finance Globe listing recorded a $0 card annual fee. Current issuer information also advertises no card annual fee, but a separate Sam's Club membership is required. Applicants should review the current pricing and membership terms.

Who issues the current Sam's Club credit cards?

The current Sam's Club Credit Card and Sam's Club Mastercard are issued by Synchrony Bank.

How do I log in or make a payment?

Current cardholders can use the official Synchrony servicing website at SamsClub.Syf.com. Payments may also be initiated by following the credit-account instructions on Sam's Club's official website.

What credit score is required?

Sam's Club and Synchrony Bank do not guarantee approval based on a single credit-score number. Approval and the terms offered depend on the issuer's review of the complete application and credit profile. Finance Globe's older “Good Credit” or “Above Average Credit” classification should not be treated as an approval threshold.

Does the Sam's Club Credit Card report to the credit bureaus?

Credit-card issuers commonly report account activity to consumer credit bureaus, but reporting practices and timing can vary. Cardholders should review their account agreement or contact Synchrony Bank for information about a particular account.

Finance Globe's Take

The historical Sam's Club Consumer Credit card was straightforward: it had no card annual fee, could be used at Sam's Club and Walmart and doubled as a membership card. Its principal limitation was that it was a private-label card rather than a general-purpose Mastercard.

For someone considering a Sam's Club card today, the more important decision is between the current store card and the Sam's Club Mastercard. The Mastercard offers wider acceptance and the opportunity to earn Sam's Cash on eligible purchases, while the store card is limited primarily to Sam's Club and Walmart.

Existing cardholders should use Synchrony's official account-servicing resources for payments and current account terms. The archived rates, features and community reviews on this page remain useful for historical research, but they should not be mistaken for today's offer.

Historical Finance Globe Database Information

The database information below reflects the version of the Sam's Club Consumer Credit card previously tracked by Finance Globe. It is retained for reference and should not be interpreted as a current application offer.