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Credit Cards

Can I Use My Sam’s Credit Card Anywhere

By David Krug 5 minute read

If you want to boast about your Sam’s Club purchases, a rewards card from Sam’s Club might help you save even more money. Everything you need to know about this is here.
As a member of Sam’s Club, you’ve saved money on everything from batteries to butter since you paid the $45 fee.

Saving money at Sam’s Club doesn’t have to end there; there are other ways to earn rewards for your purchases.

Sam’s Club credit cards have four things you should know about them

If you buy at Sam’s Club frequently, you may find these credit cards beneficial, but there are a few limitations that set them apart from other reward cards. If you’re unsure about whether these cards are a suitable fit for your needs, think about how you want to utilize them. What you need to know is provided here.

1. Only one of these cards earns rewards

With the Sam’s Club Credit Card, you may use one card for both showing your membership and making purchases, but you won’t receive any recurring rewards. Even at Sam’s Club, you won’t earn any cashback with this shop credit card. The finest rewards credit card could be out there, but this one isn’t it.

2. Your cashback has strings attached

When it comes to petrol rewards, the Sam’s Club Mastercard outperforms the competition. 5 percent cashback on petrol purchases can be earned every year for up to $6,000 in gas purchases. After that, you’ll only get paid 1% of what you’re owed. This implies that simply by using your Sam’s Club Mastercard to pay for your gas, you may save $300 or more every year.

Some limits, however, limit the card’s adaptability compared to other reward credit cards. Your yearly cashback earnings, for example, are limited to a maximum of $5,000. After February of the following year, your money will be automatically placed into your account.
Your awards will expire if you don’t utilize them within the allotted time period.

3. Compared to the other cards, this one is more adaptable.

Because it’s not a rewards card and can only be used at Sam’s Club and Walmart, the Sam’s Club Credit Card has a small range of applications.

Unlike the Sam’s Club Visa, however, the Sam’s Club Mastercard may be used everywhere Mastercard is recognized. If you’re able to do that, you’ll be on your way to earning cashback rewards sooner.

4. A new account could cover your membership cost

To get you started, Sam’s Club is offering free membership to everyone who joins for the first time. Before you may apply for the card, you must first become a member. On the other hand, samsclub.com will credit your account with up to $45 in bill credit if you make an online transaction that same day.

A membership card has already been issued to you. If you spend $45 online, you’ll receive a credit on your card. As a reminder, the deal is only valid until Jan. 15, 2020, so don’t miss out! Your yearly Sam’s Club membership renewal will still cost you even if you can acquire your membership for free. In addition, there are many more reward cards that provide sign-up bonuses of up to $300 for new customers.

When it comes to credit cards, who should use Sam’s Club?

If you plan to spend a lot of money at Sam’s Club and Walmart, you should apply for one of these cards. Cashback on petrol purchases may be used to make wholesale club purchases, making the Sam’s Club Mastercard an especially smart offer for someone who travels frequently. You’ll need a decent to outstanding credit rating to get approved for this particular credit card.

These cards are also perfect for those who are willing to manage their rewards meticulously because there is a chance that your cashback will expire before you spend it. Aside from that, you’ll want to watch out for the $6,000 petrol expenditure restriction and your annual cashback rewards. The best thing to do if you’re concerned about losing your rewards is to switch to a different card.

Applying for Sam’s Club credit card

Visit a Sam’s Club and complete an application, or apply online at SamsClub.com. If you want to get the $45 welcome bonus, you’ll have to apply online rather than at a shop. Managing your account and paying your bill is also a breeze. Paying via phone or at Sam’s Club register, on the other hand, is an option if you’d rather stick with the old ways.

Credit card alternatives to Sam’s Club

When it comes to earning and redeeming rewards, you may be better served by a normal rewards card that offers greater flexibility. For those that shop at Sam’s Club, this may still be a less than ideal option. Other card issuers also have some amazing possibilities for card offers. To begin, if you’re a frequent Walmart shopper, you might want to consider Walmart credit cards as an alternative.

However, if you’re a frequent shopper at U.S. supermarkets, you might want to look into the American Express Blue Cash Preferred® Card. However, it comes with a $95 (waived for the first year) annual charge, but you get 6% cash back at US supermarkets (for the first $6,000 each year, after that just 1%) as well as 3% cashback at petrol stations and qualifying transportation, and 1% cashback on other transactions. This card also provides you with an introductory interest rate on purchases, which Sam’s Club does not. There are rules that must be followed.

Sam’s Club is not included in “U.S. supermarkets” on the Amex card, so if you do most of your food shopping at Sam’s Club, this may not be the best option for you. However, the cashback rates offered by this card are among the greatest in the industry.

In addition, there are cards with no annual charge that might help you accumulate significant rewards. There are also 5% quarterly rotating categories (up to $1,500 spent) and travel bought through the Chase Ultimate Rewards site where you may get 5% back with the Chase Freedom Flex Card, 3% back at restaurants (including takeout or delivery) and 1% back at pharmacies.

Gas stations, grocery shops, and even wholesalers like Sam’s Club and Costco may be included in the bonus categories, which vary every three months.