Sams Club Master Cards (2024)

FAQs

Is the Sam's Club Mastercard hard to get? ›

Gotta have good credit to join the club.

The Sam's Club Mastercard requires good or excellent credit for approval, which means you'd be wise to check your credit score for free on WalletHub before applying.

Alternatively, you can apply in store. Keep in mind that the Sam's Club® Credit Card requires good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score.

The credit score needed for the Sam's Club® Credit Card is at least 700.

The credit limit for the Sam's Club Mastercard depends on creditworthiness. Some cardholders may only receive a credit limit of $1,000, while others could receive as much as $10,000. Generally, people with good credit can expect a credit limit in the middle of that range.

The Sam's Club® Credit Card uses all three major credit bureaus (TransUnion, Equifax and Experian) in order to assess your creditworthiness. Either one or more credit bureaus may be used when evaluating a Sam's Club® Credit Card application.

Your physical card should arrive in 7-10 business days from date of account opening. A $30 credit will post to the account within 90 days after the qualifying purchases are made. Offer is valid for newly opened accounts only and each account is eligible for only one $30 offer.

Unlike the Sam's Club store credit card, the Sam's Club Mastercard is accepted anywhere Mastercard credit cards are accepted, including at nearly all grocery stores and gas stations.

The Capital One® Walmart Rewards™ Mastercard® and the Synchrony Bank-issued Sam's Club® Mastercard® are "open-loop" cards, meaning they can be used anywhere Mastercard is accepted. (Walmart and Sam's Club also offer "closed-loop" store cards, which can be used only within their respective brands.)

The Discover it^® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.

How to join at the Club: Just visit any club location and apply at the Member Services Desk. Start shopping online once all required information is submitted and you're approved!

What credit score do you need for synchrony? ›

It depends on the credit card you are interested in. Most credit cards offered by Synchrony Bank are designed for people with fair (640 – 699), good (700 – 749) or excellent (750 – 850) credit.

You need an excellent credit score of 750 or higher to qualify for the Costco Credit Card. You will also need a Costco membership if you don't already have one and enough income to afford monthly bill payments on the Costco Credit Card.

The best credit card with a $100,000 credit limit is the Chase Sapphire Preferred card. In addition to a credit line of at least $100,000, the card offers 1 - 5 points per $1 on purchases and comes with a $95 annual fee. You will need good credit or better to get the Chase Sapphire Preferred card.

Mastercard credit limits depend on the card, and they can range from a couple hundred dollars to many thousands of dollars. However, the credit limit isn't actually set by Mastercard, as it is a major credit card network, just like Visa and American Express.

Choose your own fully-refundable credit line – $200 to $2000 – based on your security deposit. No minimum credit score required for approval! **Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

How to join at the Club: Just visit any club location and apply at the Member Services Desk. Start shopping online once all required information is submitted and you're approved!

Unlike the Sam's Club store credit card, the Sam's Club Mastercard is accepted anywhere Mastercard credit cards are accepted, including at nearly all grocery stores and gas stations.

You need an excellent credit score of 750 or higher to qualify for the Costco Credit Card. You will also need a Costco membership if you don't already have one and enough income to afford monthly bill payments on the Costco Credit Card.