Credit Cards » Sam's

Sam's Club Credit Cards Alternatives

Sam's Club, the discount retail chain, has two credit cards in its portfolio designed to make their customers shopping lives a lot easier - The Sam's Club credit card and the Sam's Club Discover card. While each of these cards can be used in Sam's Club, the Discover card can be also used anywhere that accepts Discover.

Alternative Credit Cards for Sam`s Shopping and more

  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.49%, 20.49% or 23.49%, based on your creditworthiness. Please note, there is a fee for balance transfers
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% (12 months (on balance transfers made within 45 days of account opening))N/A16.49%, 20.49% or 23.49%* Variable$89 - waived first year
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/AN/A15.90% - 24.40% Variable$0 - $99
  • Earn 5,000 bonus points after you spend $1,000 on purchases in the first 90 days.
  • Earn 3 points per $1 on JetBlue purchases, 2 points per $1 at restaurants and grocery stores and 1 point per $1 on all other purchases.
  • No blackout dates on JetBlue-operated flights & redeem for any seat, any time on JetBlue-operated flights. Points required for an Award Flight will vary based on the published base fare at the time of booking.
  • Points awarded in your TrueBlue account don't expire.
  • Earn and share points together with Family Pooling.
  • 50% savings on eligible inflight purchases like cocktails and food on JetBlue-operated flights
  • No foreign transaction fees
  • Chip technology & $0 Fraud Liability protection
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent/Good0% introductory APR (First 12 billing cycles following each balance transfer that posts to account within 45 days of account opening)N/A12.49%, 20.49% or 25.49% variable$0
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that MasterCard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair/BadN/AN/ASee Terms*See Terms*
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Fair / GoodN/AN/A23.9%$35 - $99*
  • 0% Introductory APR for the first 15 months on purchases. Plus, you'll get a 0% introductory APR for 15 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 13.49%
  • No balance transfer fees
  • No foreign transaction fees
  • Chip technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Free online access to FICO® Credit Score
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0% (15 months (on balance transfers made within 45 days of account opening))0% (15 months)13.49% Variable$0

Sam's Club Credit - More Than Just a Credit Card

Sam's Club has 600 stores across the U.S., offering their customers steep discounts on everything from groceries to electronics. You need to be a member to shop at Sam's Club. An annual membership costs $100. Sam's Club currently has 47 million members. The Sams credit card was designed solely for in-store use, while the Sams Club Discover card can be used anywhere that card is accepted.

Once you are a Sam's Club member you can sign up for either of the Sams credit cards, but you will need to have good to excellent credit to be approved. Members can apply for both cards when checking out at the register or at the customer service desk, but you can also apply online via their website. While there is a membership fee for Sam's Club, there is no annual fee for the Sam's Club credit card, or the Sam's Club Discover issued by GE Capital Bank.

The in-store Sams Club credit card lets members to take advantage of special financing options, but they also get In-Club Cash Access, which basically means that when they charge their purchases they can add on $20, $40 or $60 in cash back without getting hit with an ATM fee. Members can also manage their accounts online. While this card can only be used at Sam's club, the Sam's Club Discover Card can be used anywhere you shop for all sorts of purchases, and you can earn cash back on those purchases.

With the Sam s Club credit Card bearing the Discover logo members get access to special financing options while shopping at Sam's Club, and can also get cash back at the register, ranging from $20-$100 without generating any extra fees.

They also earn cash back rewards, anywhere from 1%-2% on all purchases. The amount of cash back earned with the Sam's Club Discover depends upon what Sam's Club rewards program they belong to - Sam's Club Advantage or Sam's Club Advantage Plus. The program you're in is determined by Sam's Club when you sign up. It's important to note that with the Advantage Plus members earn higher rewards. Cash back rebates are mailed out once a year.

For individuals who shop at Sam's Club frequently, the Sam's Club credit card may be what they are looking for. The idea of earning cash back at both the club and everywhere else they shop may be even more attractive to others.