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The Sam's Club Credit Plus Member: excellent choice for smart shoppers


If your aim is to find a credit card with cash back rewards and numerous other benefits, then the Sam’s Club Credit Plus Member Mastercard could be precisely what you need. This card does not have an annual fee, and you can receive rewards on every purchase you make. Additionally, you’ll receive added savings when you shop at Sam’s Club stores. Check out our review to learn more.


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As a Sam's Club Plus member, this card can offer several advantages to your everyday expenses.

$0 annual fee;
5% cash back on qualifying purchases;
3% cash back when you dine out;
1% cash back on all your transactions.

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Are you a dedicated Sam’s Club shopper with a keen eye for a deal? The Sam’s Club Credit Plus Membership might be calling your name.

This membership upgrade, paired with the Sam’s Club Credit Plus Mastercard®, unlocks a treasure trove of benefits.

But before you swipe and stock up on bulk-sized goodness, let’s dissect the pros and cons to see if it fits your financial puzzle.

Pros: Rewards that Refill Your Cart (and Wallet)

  • Sam’s Cash: Earn Sam’s Cash, essentially store credit, on your purchases! The exact percentage varies by card type, but you could be looking at 2%-5% back on everything you buy at Sam’s Club. That’s like getting paid for stocking your pantry!
  • Gas & Restaurant: Depending on the card you choose, you might earn additional Sam’s Cash on gas stations and restaurant purchases. So, fill up your tank and treat yourself to dinner, all while racking up rewards.
  • Free Shipping Spree: Online shopping from Sam’s Club just got sweeter! Enjoy free shipping on most online purchases made at SamsClub.com or through the Sam’s Club app. No more hefty shipping fees eating into your savings.
  • Early Bird Gets the Bargains: Become a VIP shopper with exclusive access to early shopping hours at your local Sam’s Club. Beat the crowds and snag those limited-time deals before they disappear.
  • Curbside Convenience: Picture this: You order your favorite bulk buys online, pay with your Sam’s Club Credit Plus Mastercard®, and then have them conveniently loaded into your car at the store. Skip the heavy lifting and enjoy a hassle-free shopping experience.

Cons: Consider These Before You Apply

  • Interest Rate Rollercoaster: Interest rates on these cards can be on the higher side. Responsible credit card use is crucial to avoid accumulating debt and turning your rewards into regret.
  • Credit Check Can Be a Hurdle: Qualifying for the Sam’s Club Credit Plus Mastercard® typically requires fair to good credit. If your credit score needs some TLC, you might need to consider alternative options.
  • Limited Rewards Outside Sam’s Club: While you can earn rewards on gas and dining (depending on the card), the bulk of your rewards will come from Sam’s Club purchases.

The Sam’s Club Credit Plus Membership can be a fantastic option for frequent Sam’s Club shoppers who want to maximize their savings.

This depends on your spending habits and the specific card you choose. However, with potential rewards of 2%-5% back on Sam’s Club purchases, it can add up quickly for frequent shoppers.

Absolutely! Sam’s Cash is like store credit that can be used on anything at Sam’s Club, from groceries and electronics to clothing and furniture.

You’ll earn Sam’s Cash on every qualifying purchase, regardless of the amount.

You can check your Sam’s Cash balance online through your Sam’s Club account or by using the Sam’s Club app.

If you’re a disciplined spender who visits Sam’s Club regularly, the Sam’s Club Credit Plus Membership could be your shopping sidekick.

So, if you’re ready to optimize your already advantageous Sam’s Club purchases, check the following link and learn how to apply for it!

How to apply for the Sam’s Club Credit Plus Member

Earn 5% cash back on Sam's Club purchases with the Sam's Club Credit Plus Member Mastercard Card!

But if you’re more into Walmart than Sam’s Club, don’t worry. We have a recommendation that will fit you perfectly!

Get to know more about the Capital One Walmart Rewards and how to apply for it. Just check the following link, and we’ll tell you everything about this card.

Capital One Walmart Rewards® Card

How to apply for the Capital One Walmart Rewards®

The Capital One Walmart Rewards® Mastercard® comes with no annual fee and no foreign transaction fees.

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