How to Get Your Sam’s Club Credit Card: Apply Online

No more cumbersome procedures or long waits. Discover how to take advantage of the Sam’s Club credit card’s benefits and how to take the necessary steps to obtain yours quickly.

Your path to a world of benefits and conveniences is just a few steps away. Learn the simple steps to apply for the Sam’s Club credit card, and our contact information is readily available should you have any questions or need assistance along the way.

Sam’s Club as a Financial Entity

Sam’s Club is a recognized retail chain that offers a wide variety of products, from groceries and household items to electronics and clothing.

In addition to being a trusted shopping destination, Sam’s Club also stands out as a financial entity by offering credit cards with exclusive benefits.


As a financial entity, it adds value by providing credit cards that facilitate savings and enhance the shopping experience.

Its reputation and track record in the industry support its ability to offer financial solutions that align with consumers’ changing needs.

About Sam’s Club Credit Cards

Sam’s Club offers three types of credit cards: the Sam’s Club Credit Card, the Sam’s Club Mastercard Plus, and the Sam’s Club Mastercard.


Each of these cards is designed to provide you with specific benefits and savings options. Here’s a brief description of each one:

  • Sam’s Club Credit Card: This is the basic credit card offered by Sam’s Club. It’s a solid choice for those looking to take advantage of discounts and benefits within Sam’s Club. Additionally, you can enjoy special offers and promotions that are regularly updated.
  • Sam’s Club Mastercard Plus: This is an upgraded version of the basic card, accessible only with a Plus membership. In addition to the benefits of the Sam’s Club card, the Mastercard Plus version provides you with additional advantages. You can earn cashback rewards for your purchases at Sam’s Club and elsewhere where you use the card. You can also enjoy a higher cashback percentage in specific spending categories, such as fuel and groceries. This card is an excellent choice if you want to earn extra rewards for your everyday expenses.
  • Sam’s Club Mastercard: Similar to the Plus version, this Mastercard card offers cashback rewards for your purchases at Sam’s Club and elsewhere. While it doesn’t have the additional benefits of the Plus version, it’s still a valuable option for those who want to earn cashback rewards while shopping.

Sam’s Cash

Sam’s Cash is a program that rewards cardholders for their purchases and encourages savings on future purchases at Sam’s Club.

When you use a Sam’s Club credit card to make eligible purchases, you accumulate Sam’s Cash based on the amount spent. These rewards are provided in the form of certificates for future purchases.


Depending on the type of card you have, you may have the opportunity to earn an additional percentage of Sam’s Cash in specific spending categories, such as gasoline or groceries.

Applying for a Sam’s Club Card

Applying for a Sam’s Club card is simple and straightforward. Follow these steps:

  1. Eligibility: Ensure that you meet the eligibility requirements, which typically include being a Sam’s Club member and having a good credit score (usually at least 700).
  2. Access Online: Visit the official Sam’s Club website and navigate to the “Credit Cards” section. There, you will find detailed information about the available options.
  3. Complete the Application: Select the card you wish to apply for and follow the instructions to complete the online application. You will need to log into your account or enter your membership number. Provide the required information, including your personal and financial details.
  4. Verification: Your application will be evaluated to determine if you meet the requirements. This may involve a credit check.
  5. Approval and Notification: If your application is approved, you will receive a notification via email or postal mail with the details of your new card.
  6. Activation: Once you receive your card, follow the instructions to activate it. This may involve calling a phone number or doing it online.

What to Do If My Application Is Denied?

If your Sam’s Club card application is rejected, don’t be discouraged. There can be several reasons for this, such as insufficient credit score or incorrect information on the application.

The first thing you should do is to find out the reasons for the rejection by contacting Sam’s Club customer service.

If the rejection is due to credit issues, work on improving your credit history. This might involve paying your debts on time, reducing outstanding balances, and maintaining a good financial record.

Incurred Expenses

Sam’s Club cards come with associated expenses that you should be aware of.

They have an APR (Annual Percentage Rate) that ranges from 20.65% to 28.65%. This rate applies to outstanding balances and can impact the total cost of your purchases if you don’t pay the full balance every month.

Sam’s Club requires a membership to access their stores and take advantage of their offers.

The annual cost of the standard membership is $50, while the Plus membership, which offers additional benefits, costs $110.


For your convenience, here are several methods available for reaching out to obtain assistance or information:

Phone: 1-888-746-7726

Address: 2101 Se Simple Savings Dr Bentonville, AR 72712

Email: [email protected]


In summary, Sam’s Club cards offer a convenient way to access savings and exclusive benefits across a variety of products and services.

With options ranging from the basic Sam’s Club card to the Mastercard versions with additional rewards, these cards cater to different consumer needs and preferences.

Ultimately, your choice of card will depend on your purchasing habits, financial needs, and savings goals.

Disclaimer: There are risks associated with applying for and using credit products. Be sure to review the bank’s terms and conditions page before accepting anything.