Sam’s Club Credit Card Review | Reviews | Credit Shout
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Sam’s Club Credit Card Review

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Sam’s Club is, without a doubt, one of the most popular retail franchises in the world. Like many retail establishments, Sam’s Club offers a credit card to reward consumers for in-store and gas purchases. 

The Sam’s Club credit card is a wonderful option that provides lucrative rewards for dining and gas purchases. Members can even earn high-rate rewards when shopping at the wholesale store. 

However, if you’re a lower-tier Sam’s Club member, applying for this credit card may not be ideal. Below, you’ll learn about what makes this credit card special, as well as its pros and cons. 

Sam’s Club Credit Card Review: Specifications

  • Annual Fee: $0
  • Regular APR: 14.90% – 22.90% Variable
  • Introductory APR: N/A
  • Recommended Credit Score: 690-850 (Good to Excellent)

One of the positive things to note about this credit card is the free annual fee. This means you don’t have to pay anything to own the Sam’s Club credit card. Although, the minimum credit score for Sam’s Club card is 690.

That’s a very high barrier of entry for many Americans. With a high minimum credit score, the Sam’s Club credit card pre approval process can be enduring. Still, for those wanting to choose some of the best gas credit cards, the Sam’s Club credit card is a great option. 

Sam’s Club Credit Card Review: Quick Facts

As one of the best rewards credit cards available, here are some facts you’ll need to know about the Sam’s Club credit card before applying:

  • Members can earn 5% cashback on gas purchases. Once they spend $6,000 in a year, they’ll earn 1% cashback. 
  • Members can earn 3% cashback on in-store purchases where Mastercard is accepted. 
  • There isn’t an annual fee.
  • This credit card can be used as a Sam’s Club membership card as well. 

Sam’s Club Credit Card Review: Pros & Cons

Not every credit card is perfect. To help you make the best decision, here are the pros and cons for applying for the Sam’s Club credit card:


  • There isn’t an annual fee.
  • The interest rate is standard, considering you can earn high-rate rewards to offset this cost. 


  • You’ll need a Sam’s Club membership to qualify.
  • You can only redeem your rewards points once a year at a Sam’s Club location. 

As you can see, the waived annual fee is definitely a benefit to cardholders that are on a tight budget. Still, if you’re not a Sam’s Club member, you won’t qualify and there are certainly other options available. 

Sam’s Club Credit Card Review: The Bottom Line

Ultimately, this credit card is for Sam’s Club members who make regular in-store and gas purchases. This is the only way to recoup the costs you’ll pay in interest. If you’re not a Sam’s Club member, or if you shop frequently at other retail stores, then you should consider applying for another credit card. 

The Sam’s Club credit card offers a high rewards rate, making it possible for you to capitalize on huge earnings for miscellaneous in-store and gas purchases. 

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Editorial Discloser: Opinions expressed here are authors alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.