Sams credit card rewards

Should You Apply For A Sam’s Club Credit Card?

Do you frequently go to warehouse clubs like Sam’s Club to find that right wholesale bargain? Buying items in bulk allow you the chance to save money on your purchases. For this reason, a great majority of buyers like to purchase their daily necessities from Sam’s club. Among the different programs Sam’s club have, you can now apply for a Sam’s Club Credit Card.

Before, Sam’s Club used to issue credit cards that could be used only in their store or affiliates like Wal-Mart. But of late, the company has issued a credit card that can be used anywhere that accepts Discover It cards. The question here is, should you apply for the cards offered by the store or not? We have investigated all the facts about the Sam’s Club Credit Card just for you!

4 Varieties of Credit Cards

Sam’s Club offers 4 variants of credit cards which include the following

  1. Sam’s Club Discover Card for personal users
  2. Sam’s Club Discover Card for business users
  3. Sam’s Club Credit Card for personal users
  4. Sam’s Club Credit Card for business users

While the first two Discover Cards can be used at any establishment which accepts Discover, the last 2 cards are store-only-cards exclusively for Sam’s Club members. The cards are issued through GE Money Bank.

Being a Sam’s Club credit card holder comes with several benefits:

  • No annual fee
  • Cash back of up to $60 per day in the register with no ATM charges
  • Special cash rebate schemes for its Discover Card users
  • Special offers for increasing credit limits
  • 1%-2% cash back on purchase over a certain limit

Less Benefits, Many Disadvantages

Despite the benefits the card provides, the credit card from Sam’s Club is not a popular choice among its customers. The card was not able to gain general acceptance. Here are some reasons that may explain the low attraction.

  • The card carries one of the highest interest rates which is 22.90%.
  • No reward programs or affiliate schemes are tied.
  • Hidden fees like cancellation charges are not mentioned anywhere.
  • Club Credit Card is useful only for purchases inside Sam’s Club premises.

Comparing with Popular Cards

Many popular cards offer benefits which are much better than what Sam’s Club has to offer. By using Discover it® cards which are accepted at all Sam’s Club stores, users get more benefits, even for in-store purchases. While the card by Discover gives attractive cash back offer of 5% for customers, Sam’s Club Cards offer no more than 2%! Chase Sapphire Preferred® Card and Capital One® Venture® Rewards Credit Card are among the most rewarding cards in the market which not only provide attractive cash back rates, but also offer attractive redeemable reward points. However, although it is one of the biggest companies in the USA, Sam’s Club fails to offer significant benefits to its customers. Customers also often complain that many advertised benefits on cards issued by other providers, don’t seem to work at Sam’s Club.

If you are a regular shopper at Sam’s Club, then applying for a card wouldn’t be such a bad idea. However with the many disadvantages and lack of significant benefits, the offer from Sam’s Club Credit Card fails customer’s expectations in a lot of ways. Quite a lot of advantageous credit cards are readily available in the market that gives customers many more benefits! Even when customers shop at Sam’s Club, it would be more beneficial to use other cards. Hence Sam’s Club Credit Card can be considered one of the least advantageous cards on the market and its better if it is avoided, unless you are a crazy fan of Sam’s Club that is!

Are you a user of Sam’s Club Credit Card? Or do you use a popular card to make your purchases at Sam’s Club? Let us know about your experience. Do put in your comments and suggestions about our verdict. We are eager to hear from you.

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Sams credit card rewards

Apply for a Sam’s Club Credit Card to Save More

Do you often shop at Sam’s Club? Would you like to enjoy the convenience of credit card and get benefits from your purchase at Sam’s Club? Applying for Sam’s Club credit card online is a wise option for you to improve your shopping experience. Besides, you can get much more surprises.

Apply for a Sam’s Club Credit Card Instructions

Sam’s Club credit card offers up to 2% cash back. Customers can use your Sam’s Club credit card to purchase on or at your local Sam’s Club. The membership card doubles as your credit card for your convenience. Sam’s Club provides customers with two types of credit card: personal and business card. Each of the two cards has two subtypes.

  • Sam’s Club Discover Credit Card. This card can earn up to 2% cash back and be used at anywhere Discover Cards are accepted. Users can enjoy no annual fee and zero fraud liability.
  • Sam’s Club Personal Credit Card. This card also has no annual fee and zero fraud liability. But it can only be used at or at your local Sam’s Club.

  • Sam’s Club Discover Credit Card. It has the benefits of earning up to 2% cash back and Sam’s savings members can earn up to 1% cash back and can be used at anywhere Discover Cards are accepted. Other benefits can be viewed at the website.
  • Sam’s Club Personal Credit Card. This card support online account management, and cardholders can enjoy special financing promotions.

How to Apply for Sam’s Club Credit Card

Costco vs. Sam's Club: Which Warehouse Club Has a Better Rewards Credit Card?

In many ways, Costco (NASDAQ:COST) and Wal-Mart's Sam's Club are interchangeable. Both have their supporters who would tell you why one is better than the other, but at the end of the day, both warehouse clubs offer discounts on a wide range of items to people who pay a membership fee.

One chain may have a better price on tubs of mayonnaise while the other offers a great deal on snow tires, but those are moving targets which change regularly. It's hard to compare the two warehouse clubs on the basis of any specific savings because an item sold at a good price one day may not even be offered the next.

But one area where both companies can be compared is their rewards credit cards. Sam's has its Sam's Savings MasterCard (NYSE:MA) while Costco launches its new Costco Anywhere Visa (NYSE:V) June 20. While the two warehouse clubs also offer different deals for business members, this comparison will look at what each rewards credit card offers to individual members.

Sams credit card rewards

Both Costco and Sam's Club offer rewards credit cards. Image source: Sam's Club.

In switching its credit card from American Express to Visa, Costco upped its rewards game. The new card has no annual fee on its own but requires that holders pay the warehouse club's $55 annual Gold Star membership charge.

Members who hold the card get 4% back on eligible gas purchases (for the first $7,000 spent in a year; then it drops to 1%). They also receive 3% cash back on purchases made at restaurants and eligible travel and they earn 2% cash back on all Costco purchases, as well as 1% back on anything else bought with the card. Cardholders also get worldwide car rental insurance and worldwide travel accident insurance as well as damage and theft protection for some purchases.

Costco does not list a maximum on total rewards that can be earned through its program on the Citigroup (NYSE:C) web page that details the terms and conditions of the credit card offer. A request to clarify that there was no rewards limit through Citigroup's Twitter support (which is where the card issuer directs consumers looking for more help) was directed to a different web page, which also does not mention any annual rewards limit except capping the gas reward.

A basic Sam's Club annual membership costs $45, or $10 less than its rival charges. Of course, to get a credit card you must hold a valid membership.

If a Sam's member spends $100 on the day he or she opens his or her Sam's Savings MasterCard account, he or she gets credited $40 on that initial purchase. Members also get 5% back on gas -- up to $6,000 a year (then it drops to 1% with no limit), 3% back on dining and travel, and 1% back on all other purchases. Cardholders also receive price protection on some purchases as well as identity theft resolution services.

A maximum of $5,000 in cash back rewards can be earned in a calendar year.

Both companies have very similar offers with nearly identical basic rewards. Sam's however has cheaper membership in general and offers $40 back if a new member spends $100 on the first day. That's enough to make its card a better deal for most people.

Of course, as is the case with all credit card offers, rewards programs only make sense for people who do not carry a balance. If you don't pay off what you owe each month, thrn interest charges will quickly negatively offset any value received from getting cash back or other rewards.

While Sam's offers the initial cash back, which makes its card a better offer for many people, it does cap overall rewards, which Costco's card does not. That means that for heavy spenders -- people who will buy enough to earn more than $5,000 annually -- Costco offers a better deal.

Daniel Kline has no position in any stocks mentioned. He is always tempted to buy way too much candy at Costco. The Motley Fool owns shares of and recommends Costco Wholesale, MasterCard, and Visa. The Motley Fool recommends American Express. Try any of our Foolish newsletter services free for 30 days . We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.

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Sams credit card rewards

Sams credit card rewards

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Sams credit card rewards

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