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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
  • Earn up to 5% Cash Back!
  • 0% intro APR on Purchases and Balance Transfers for 14 Months.
BEST for FAIR Credit
  • NO Annual Fee.
  • Earn 2 Points per $1 on Gas, Grocery, and utility purchases and 1 Point per $1 everywhere else.
  • 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.
  • Pick the monthly payment due date that works best for you.
  • Pay however you want - by check, online, or at a local branch, all with no fee.
  • 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.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.9% (V)$0 intro for first year;
$19 after that
  • 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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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
See termsSee termsVarious RatesSee terms
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (Variable)
$026
  • 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.
  • No limit to the cash back you can earn.
  • Your cash back doesn´t expire.
  • 0% intro APR on purchases until January 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.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/a0%
(until
January
2015)
22.9% (V)$39
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. Pay up to midnight ET online or by phone on your due date without a fee. Plus, paying late won´t raise your APR.±
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014. And 1% cash back on all other purchases.±
  • Human. 100% U.S.-based customer service available any time.
  • Safe. Because you´re never responsible for unauthorized charges with our $0 Fraud Liability Guarantee.
  • Plus, free FICO® Credit Score on your monthly statement to help you stay on top of your credit.±
  • 0% Intro APR± on balance transfers for 18 months. Then the variable purchase APR applies, currently 10.99% - 22.99%. A fee of 3% applies for each balance transferred.
  • 0% Intro APR± on purchases for 6 months. Then the variable purchase APR applies, currently 10.99% - 22.99%.
  • ±Click "Apply" to see rates, rewards, and free FICO® Credit Score terms and other information.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
0%
(18 months)
0%
(6 months)
10.99% -
22.99% Variable±
$0
  • 1% back on all gas purchases.
  • No limit to the gas rewards you can earn.
  • Rewards post to your account automatically each month.
  • Get pre-qualified without affecting your credit score.
  • Make your first six payments on time and get a credit line increase.
  • Keep an eye on your credit information with free online monthly credit score tracking.
  • Choose your card design from our premium gallery.
  • Email or text alerts to remind you when your payment is due.
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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a17.90% -
23.90% (V)
$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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Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a0.00%See terms
  • Affordable Monthly Payments.69
  • No Annual Fee.68
  • $25 OFF $100 - Promo Code #APR25. ENDS on May 6, 2014.
  • $50 OFF $200 - Promo Code #APR50. ENDS on May 6, 2014.
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • We often say "YES!" when others say "No".
  • Shop Great Brands at Fingerhut.com.
  • Choose From Over 30,000 Products.
  • Budget Friendly Payments with Fingerhut Credit!
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Free Shipping - Promo Code #APRFREE. ENDS on May 6, 2014.
Apply Now
Intro APR on Balance TransfersIntro APR on PurchasesOngoing APRAnnual Fee
n/an/a24.90%$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.

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.
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.