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Sam's Club Credit Card

Sam's Club Credit Card


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  • APR Prime + 19.65%
  • Annual Fee $0
  • Late Payment Fee $35
  • Minimum Interest Charge $2.00
  • Signup Bonus Open an account and receive a $20 statement credit when you make a $50 minimum purchase the same day


  • Click "APPLY NOW" to apply online
  • Accepted at all Sam's Club and Walmart locations nationwide
  • Exclusive to members - doubles as your membership card

Expert Reviews

From the Editorial Team

This card is an in-store charge account card that is accepted at Sam’s Club and Walmart stores. The card also doubles as your Sam’s Club membership card.

Expert Reviews of the Sam's Club Credit Card

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 4.0


  • 2.0


  • star rating 2.0/5

    Overall Rating

The Bottom Line

If you want to be able to charge purchases at Sam’s Club or Walmart, this card may be convenient. But if you carry a balance the interest rate could make those purchases much more expensive in the end.

The Good

There is no annual fee, there is a photo on the card as added protection against fraudulent use, and you can manage your account only. 

The Not So Good

The purchase APR is 22.90%, which is relatively steep. The card is also limited by the fact that it can only be used to charge purchases made at Sam’s Clubs or Walmart stores.

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

Consumer Reviews

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