See all about Sam’s Club Credit Plus


Sams Club Credit Plus: Best for: Club Members — Extra Savings at Sam’s Club

Sam’s Club Credit Plus

Lustezz rating
3 /5
Rates & Fees
Apply Now on Sam’s Club Credit Plus website
  • Annual Fee

    There is no annual fee for the Sam’s Club Credit Plus card.

  • Rewards rate
    • Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted for the first $6,000 per year, then 1% afterward.
    • Earn 3% back in Sam’s Cash on dining and takeout.
    • Earn 1% back in Sam’s Cash on other purchases.
    • Sam’s Club Plus Members also earn 2% in Sam’s Cash for qualifying pre-tax purchases directly from Sam’s Club.
  • Intro offer

    Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.

  • Recommended Credit Score


Product Details

Offer subject to credit approval. To qualify, you must (i) apply and be approved for a Sam’s Club® credit card account and (ii) use your new account to make Sam’s Club purchases totaling $30 or more (excluding cash advances, gift card sales, alcohol, tobacco and pharmacy purchases) within 30 days of date of account opening. When you open an account online or with your mobile device, purchases cannot be made at in-club registers until the physical card is received. 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. We reserve the right to discontinue or alter the terms of this offer any time.

Our take

The 2% Sam’s Cash is only available for Sam’s Club Plus Members for qualifying pre-tax purchases directly from Sam’s Club, and not from third parties, made in clubs and through Curbside Pickup with any form of payment. Sam’s Club Plus Members earn 2% in Sam’s Cash on qualifying pre-tax purchases with a maximum reward of $500 per 12-month membership period. The 2% Sam’s Cash is awarded monthly and loaded onto the membership card for use in club, in our mobile app, on most direct purchases from Sam’s Club online, applied to Sam’s Club membership renewal fees or redeemable for cash. Restrictions apply. Visit for exclusions, program details and terms and conditions.

Have you ever considered the difference between a store-specific credit card and a credit card intended for general use and daily tasks? When we compare these two, we notice numerous differences, especially in the benefits they offer. Despite sharing a similar card nature, the primary distinctions often lie in the array of benefits provided.

With the Sam’s Club Credit Plus, you’ll enjoy numerous benefits primarily associated with Sam’s Club. This card is specifically tailored for the store, marking its main distinction. Many benefits revolve around cashback opportunities. With this card, you can earn substantial cashback rewards on a wide range of purchases within the store and sometimes even outside of it.

Furthermore, this credit card offers an array of benefits, and the best part? No annual fees! Unlike most credit cards that necessitate an annual fee for usage, this one grants access to its full suite of features completely free of charge. If you’re curious and eager to explore more about the perks this card offers, I encourage you to dive deeper by continuing to read.

What are the requirements to request the Sam’s Club Credit Plus

The Sam’s Club Credit Plus, like any other credit card, has specific requirements that are essential to meet for approval. Every credit card comes with its set of prerequisites, which must be adhered to; failure to do so might hinder your eligibility for the card. If you’re keen on discovering the necessary requirements for obtaining the Sam’s Club Credit Plus, I encourage you to continue reading.

  • Must be at least 18 years old 
  • The sleep in the United States 

What are the necessary documents to request

Yes, that’s correct. We’ll now provide you with all the essential details regarding the required documents for applying for this card. This aspect is often overlooked or ignored since it might not be the most emphasized, yet it holds importance and could be beneficial for your future endeavors. If you’re interested, I encourage you to continue reading to discover what documents are necessary for the application process.

  • Identification 

Who should apply for the credit card Sam’s Club Credit Plus

This point might appear a bit confusing because I’ve emphasized several times in this article and the previous one that the credit card is available to anyone interested; it doesn’t target a specific group of individuals. However, this statement is partially true. While the card is open to everyone, certain profiles might derive greater benefits from it. Let’s delve into those profiles now.

If you shop at Sam’s Club 

Shopping at Sam’s Club is essentially a prerequisite for obtaining a card like this. While technically not mandatory, it’s highly recommended because without utilizing this card for purchases at the store, its usefulness diminishes significantly. In essence, having this card without shopping at the store renders it somewhat useless, or at least less beneficial. The real advantage comes from combining the card with regular shopping at Sam’s Club.

If you like cash back 

With this credit card, cashback benefits are a familiar and significant feature. You’ll enjoy various cashback rates for different categories. For instance, you’ll receive 5% cashback on gas purchases and 3% on Sam’s Club purchases if you’re a member – and this is just a fraction of the diverse cashback rewards available. There’s much more to explore in terms of cashback rewards with this card.

If you like not paying an annual fee 

Annual fees are often frowned upon not because they’re excessively burdensome—usually, they’re costs that can be managed. However, they symbolize an extra expense that many prefer to avoid. It feels like an unnecessary financial burden that could be eliminated. But fret not, with this credit card, you can access its perks and benefits without the encumbrance of an annual fee.

If you don’t mind not having extra benefits 

This card boasts a multitude of benefits, meticulously designed to enrich your experience within Sam’s Club. These perks are diverse and comprehensive, elevating your time spent in the club. However, it’s crucial to recognize that these advantages primarily apply within Sam’s Club itself. Hence, when considering this card, it’s important to note that additional benefits for use outside the club shouldn’t be anticipated.

One advice for the ones that wish to apply for the Sam’s Club Credit Plus

The fundamental advice I highly recommend before considering this credit card is both simple and pivotal: be certain that Sam’s Club is a store you genuinely appreciate and frequent, perhaps on a regular or monthly basis. While this might seem like an obvious consideration, it’s a crucial factor to ponder before proceeding with the application for this card.

Since the majority of the benefits revolve around in-store transactions, if you’re not actively engaged with purchases at the store, you might not even access half of the benefits. Essentially, you’ll end up with a credit card that offers perks largely irrelevant to you. While it’s a fee-free credit card, having a card with appealing benefits only matters if those benefits align with your spending habits and preferences.

Is this card really worth it? Let’s compare the pros and cons of the credit card

This card doesn’t have many downsides. However, the primary drawback I’ve found is its lack of additional benefits outside of Sam’s Club. Essentially, if your interest in this credit card doesn’t align with your shopping habits at Sam’s Club, it might not hold much value for you.

Yet, the benefits within the store are remarkable – substantial cashback rewards, including 5% cashback even on purchases made outside the store, along with available discounts, making it a truly advantageous deal if you’re a frequent Sam’s Club shopper.

Apply now for the credit card Sam’s Club Credit Plus

Applying for a credit card should be a hassle-free process, and we’ve taken steps to ensure just that. Our streamlined process is designed for your convenience, making it easier than ever to get started. Take the first step now by initiating the application process. Click the link below to embark on your seamless application journey.

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