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Sam's Club® Consumer Credit Card

Approval Odds
Cardholder (53 Reviews)
Application Process
Customer Service
2.4340000152588 5

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Most Helpful Positive Review

Great for 0% interest promotions
Helpful to 3 out of 3 people

I have had this card (Sam's Discover) for almost 2 years and I love it. I was instantly approved and have had steady credit limit increases every 4 months. Yes the interest is high on this card but that is not a problem for me because I pay in full before the statement cuts. I only put groceries and prescriptions on the card to earn rewards and then I pay it back off immediately. The customer service has always been great and helpful. I only use the card at Sam's because I have other credit cards that offer far better rewards. My favorite thing about this card is the 0% interest deals that they have from time to time. I have purchased two TV's this way. Just be sure that you only finance what you can pay back within the number of months of the 0% interest because if you don't, you will be charged for interest dating back to the date of sale and that will end up costing you quite a bit. The least favorite thing I like about this card is that payments are slow to post. Sometimes it takes 3-4 days.

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surfsidescooby's review was:    

 

Most Helpful Critical Review

Good way to ruin your credit!!
Helpful to 3 out of 3 people

I applied for this card in December to use for purchaes for my business. This card has been a NIGHTMARE!!!! payments don't get credited correctly, the user portal is the WORST I have ever seen, payments made in the store dont get credited correctly and customer service is horrendous!!! I am posting this under the Consumer complaints as when I call the business side they tell me it is a personal card. The funny thing is that when I call the consumer side they tell me it is a business card. Another BIG negative is they refuse to sync with any accounting software so every transaction has to be entered by hand. Oh, I almost forgot they assign you some cryptic user ID (you can't pick something you can remember) and the site is constantly locking us out on the password even though it is entered correctly. We are currently fighting over a late payment that was made in the store and not credited to the account. The card is mismanaged by Synchrony Bank so beware of any of their cards.

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Reviews (53)

Sam's pathetic bank partner - Synchrony
Helpful to 0 out of 1 people

I am a long time and loyal Sam's customer, and agreed to apply for the the Sam's Club Master Card, issued by Synchrony Bank.  I've had the card for about a year with a few ongoing issues, but today is the final straw.  After a 20 mile drive to the store, I learn the account was cancelled due to some security breach at a retailer that I used.  They said they mailed me a new card, but I didn't receive it, and they did not send any further notification.  So, after a frustrating, no-help argument with the Synchrony Bank rep, I told her to cancel my account immediately, and I will notify Sam's Headquarters.  The rep would not give me her name, location or even the headquarters address of Synchrony Bank, only to say it was in Florida, as if she had something to hide.  This is a huge red flag, and I plan to steer clear of Synchrony Bank.  

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Very helpful on credit score

I was approved for 10k and they have now raised to 11k in 8 months.  Feb check was $125 that i used to extend membership.  Old credit score 700 now 771.  I pay some each week by auto bank pay and have not paid a dime in interest..  PS highly recomend Dave Ramsey if you are struggling.....

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Symphony credit department sucks.
Helpful to 2 out of 2 people

I've had the store card for two years now. No problems except today's bad experience with the credit department. 

First of all...how is Synchrony through sams club able to pre-approve you with just your drivers license?!?

I'm not sure how but they offered me $700 CL two yrs ago and I sd ok, a year later got increase to $1700, two years later increase to $5700. All my fico scores  in all 3 bureaus are above 700, so how is it that after applying online yesterday for the MasterCard I was declined? Called their credit department and was eventually told "I was declined nothing they can do about it cuz it's a closed application" and refused to transfer my call to the credit department or their so called underwriters according to manager Sean in Customer Service Department. 

Their rewards program is weird, I was told that I can only cash out my $46 rewards in December, but by my spending it would be more by then. Hmmm...I think I'm going to request a refund of $100 membership fee and do just the regular membership of $45.

I will be paying off balance and closing card as it's just a store card which can only be used at Walmart or in Sams Club. I will be using my Discover or Amex in Sams club from now on so I can accumulate more rewards points. 

This charge card is not worth the hard inquiry on your credit file. 

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TiredOfCreditGames's review was:    

 
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Poorly trained agents and worst policy

If you want to ruin your credit, go ahead and apply for this card. I applied the card in Sam's a couple of years ago. A service agent helped me with the application, and used to wrong address on the card. The statement (I don't use the card, so only contained membership fee) had been mailed to the wrong address until two months later, they called me. I paid off the fees, and they told me they wouldn't report it to the credit bureaus, since it was their fault. Guess what? It showed up on my credit report! It took me quite a while to get it off my reports. And then today, they cancelled my account without notifying! It was all because I have not been using the card in the past 12 months. They just cancelled it! And I can't just reactivate it, I must go apply for it again! Like hell I will, but thanks for numerous attempts of ruining my credit!

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Worst Card, Rewards and Service!
Helpful to 1 out of 1 people

I have had my account with Sam's club for a couple of years now. The credit card through Symphony bank, initially a Discover card now MasterCard, has never issued any rewards to me. Each time I called to find out about the rewards the story changed or they pushed the date out or just outright lied about sending the check. I just got off the phone with them and was told it was sent Feb 21. I asked to where they sent the check and Mike (Employee ID: 469952) stated it was sent to the address I gave them when I gave him in the beginning of my conversation. I stated I never gave an address, he verified my identity by asking me to verify the phone number associated with the account. He then asked what address I live at. I stated I would like to know where the check was sent. He stated he could not tell me due to security restrictions. I stated that I wanted to speak with his supervisor. I was transferred to "James" (supposed Employee ID: 1265) this was a lie and I knew it. James got on the line and I explained the situation and asked where the check was sent. James refused to tell me where the check was sent due to "security" even after I have verified my identity. I asked them to stop payment on this check that was sent and send one with a tracking number to the address on file, which should have been no issue. I was told they would not issue another check, and that they could only credit it back to my account and I would have to wait another year before receiving my rewards. I am now starting a better business report and hope that Sam's will terminate this contract. If you have experienced this type of occurrence please contact me as I will also be attempting to initiate a class action suit. Contact me at fatheradvocate@aol.com. Please pass this post to all you know at banking with this Symphony Bank or with accounts at Sam’s club.

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Rewards program a joke

No way to redeem your rewards- you have to wait until Feb of every year before they mail out your reward check. I spent over an hour with their online rep trying to get a straight answer regarding their redemption policies. I have plenty of ohter credit cards that i can log in online and request a check to be mailed out. I use my CC for all business travel and spend thousands of dollars a month. I will go back to using my other credit cards for these purchases.

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Convenient, easy to use card.
Helpful to 0 out of 1 people

I had my Sams M/C card for 3 months now.  Got instant approval of 3.5k & they just increased it to 5k.  I pay online & check in a couple of days to  see if it has been processed.  No problems as of yet.  Very easy to shop & use just one card for it all.  Have been happy with this card.  I do pay as soon as the purchase hits my bill.

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Floridabiker777's review was:    

 
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Good way to ruin your credit!!
Helpful to 3 out of 3 people

I applied for this card in December to use for purchaes for my business. This card has been a NIGHTMARE!!!! payments don't get credited correctly, the user portal is the WORST I have ever seen, payments made in the store dont get credited correctly and customer service is horrendous!!! I am posting this under the Consumer complaints as when I call the business side they tell me it is a personal card. The funny thing is that when I call the consumer side they tell me it is a business card. Another BIG negative is they refuse to sync with any accounting software so every transaction has to be entered by hand. Oh, I almost forgot they assign you some cryptic user ID (you can't pick something you can remember) and the site is constantly locking us out on the password even though it is entered correctly. We are currently fighting over a late payment that was made in the store and not credited to the account. The card is mismanaged by Synchrony Bank so beware of any of their cards.

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Poor. difficult to get statement info
Helpful to 1 out of 1 people

Statements cannot be viewed on line they must be mailed.  Online does not work with Chrome.  customer service outsourced to people with attitudes  I like Sam's club but not their choise of sams club card

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Beware of Trick in Application Process
Helpful to 1 out of 1 people

Like others, I also have a 700+ score. I applied for the mastercard with the 5-3-1 cash rewards program. After applying, I was very disappointed to learn they had only issued me a store credit card that could only be used in the store. The language used does not easily tell you that if you are denied for one card, you will be stuck with the other. Even after receiving the email stating you have been approved for a card, pay close attention to which card because it still was not readily apparent. After calling, their customer service told me that I was not approved for the mastercard but that I could apply again. I told them to cancel the store credit card and I reapplied and this time I was approved for the mastercard.

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Company Overview

Sam's Club® Consumer Credit Card, offered through GE Money Bank, helps Sam’s Club® customers finance purchases through credit. Online account management is available and allows cardholders to service their account online to pay bills, request a credit line increase, update account information, view recent activity, and receive special offers.

Sam’s Club® is a chain of membership-only retail warehouse clubs and a division of Wal-Mart Stores, Inc. since 1969. Established in 1983, the first Sam’s Club® was opened in Midwest City, Oklahoma, and has expanded today to nearly 600 locations to serve more than 47 million members throughout the United States as well as internationally in Brazil, China, Mexico, and Puerto Rico.

Approval Odds

Sam's Club® Consumer Credit Card

53 Reviews