Credit Cards » Sam's Club Credit Cards

Sam's Club Credit Cards

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.

Sam`s Club Credit Card Alternatives

BEST for EXCELLENT Credit
  • Get 5% Earnings on your first $5,000 in purchases every year. Unlimited 2% Earnings on every purchase after that.
  • 0% intro APR on purchases for 12 months, then 11.9% - 19.9% variable APR on purchases.
BEST for FAIR Credit
  • $0 Annual Fee.
  • Earn 2 Points per $1 on Gas, Grocery, and utility purchases and 1 Point per $1 everywhere else.
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • No rotating categories and no sign ups needed to earn cash rewards.
  • Redeem the cash back you earn for any amount, any time.
  • Cash back doesn′t expire and there′s no limit to how much you can earn.
  • 0% intro APR on purchases until June 2015.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud Coverage if your card is ever lost or stolen.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/a0%
(until
June
2015)
22.9% (V)$39
  • 0% intro APR on purchases & balance transfers for 14 months - then a variable purchase APR applies, currently 10.99% - 22.99%. A 3% fee applies to each transferred balance.
  • Rated 4.8 out of 5 stars by over 5,000 cardmembers.±
  • No annual fee, no late fee for your first late payment - APR won´t go up for paying late, no overlimit fee and no foreign transaction fee.±
  • Free FICO® Credit Score online and on monthly statements.±
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up±. 1% cash back on all other purchases.
  • Each Discover purchase is monitored. If it´s unusual, you´re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.
  • 100% U.S. - based customer service - anytime, day and night.
  • ±See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Excellent0%
(14 months)
0%
(14 months)
10.99% -
22.99% Variable±
$0
  • Start with no annual fee for the first year; $19 after that.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Use online banking to access your account - even from your smartphone with our mobile app.
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you.
  • Get access to your account 24 hours a day, 7 days a week.
  • Start building for the future with features that can help you get there.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Average / Fair / Limitedn/an/a24.9% (V)$0 intro for first year;
$19 after that
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a24.90%$0
  • Find card offers you may be eligible for without affecting your credit score.
  • Get matched to features you want like low intro rates, cash back or miles, and more.
  • See your card matches in less than 60 seconds.
  • Find a card for where you are — to help you prepare for what′s ahead.
  • All Capital One cards come with fraud coverage if your card is lost or stolen.
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone.
  • Pick the monthly payment due date that works best for you.
  • Pay the way you want - by check, online, or at a local branch.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/aSee termsSee termsVarious RatesSee terms
  • Unlimited 1% back gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% back on gas purchases and get more value with every gallon.
Apply Now
Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
FairN/A*N/A*17.90% -
23.90% (Variable)
$35-$99
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
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Min. Required Credit HistoryIntro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
Badn/an/a0.00%See terms

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.

± Click apply for Terms & Conditions.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.