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Sam's Club® Consumer Credit Card

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Application Process
Customer Service
Cardholder Ratings
2 5

Most Helpful Positive Review

Oct 06, 2011
Anonymous Cardholder

I was shopping at Sam's one day, paying for my purchase and the cashier said i was approved for a Sam's Club credit card and if i accepted i would receive $25 off on my purchase!  I accepted started out with $300 limit and they have now changed my limit to $1100 great for re-building and it's accepted at wal-mart also!  Online access, i really like it!

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Most Helpful Negative Review

Mar 01, 2015
Good way to ruin your credit!!
Anonymous Cardholder

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 (114)

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Oct 07, 2016
Horrible card,just stay away from it!
Anonymous Cardholder

I applied for this card few days ago to get a finance on my tires purchase,i went today to buy some stuff so i used my credit and boom the cashier said it eas declined! So i went to the customer service and there was an ******* at the customer service who wasn't helpful at all ,he told me that my card is closed for further purchase and he didn't even telle why,so i called the customer service and they were even more unhelpful than the doosh bag ,it effected my score , I'm waiting for their letter to see what is the issue,stay away from them,iy was my mistake when i applied in the first place.

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Sep 29, 2016
good rewards always getting hacked
Anonymous Cardholder

sams has alerts but only for purchases over $300 i am constantly having this card hacked with fraud purchases so is my mother in law if like other cards they would let you set the $ alert amount which i keep mine on my other cards at $1 i would know immediately instead you have to wait for them to show up online also not easy to download into quicken thinking of canceling card when rewards come due.

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Sep 19, 2016
Worst customer service
Anonymous Cardholder

When I applied online it says that if I made the first purchase of over $100 the same day, I'd get $40 back. Which they never told me it had to be in club purchase. How am I supposed to know that I applied for a credit card online and have to go in the store the same day to make that purchse, if they didn't put that on the website. Then I called them, and credit card said they couldn't do anything because it's the website's fault. Then I called Sam's Club, they said they don't have enough information to see if I'd get the promotion. I feel that that was a fraud honestly.

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Aug 27, 2016
Applied in store...
steelergurl1 Cardholder

Applied in store in Feb went in to get a new membership and saw a sign for $40 off purchase if approved... Was approved for $500 just got a cli this month for an additional $500. I set up bill pay through my personal bank but I do pay in store sometimes as it is right up the street from my house. You must know your balance if paying in store as they only take the payment they have no way of knowing your info with Synchrony. My payments do post same day when I pay in store.

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Aug 24, 2016
topshelfproducts Cardholder

Absolute garbage, the card works at sams club as it should, but when you make a payment in the store, they can't tell you what you owe, your balance, when it is due etc.  Nothing, they just take the payment blindly.  On top of that when you log into the samsclub card portal you can only see payments made online, YOU CANNOT SEE A PAYMENT MADE IN STORE!!!  Are you kidding me!  No rolling balance to see what is + or - and no way to know if your payments are actually getting applied unless you keep diligent books!  You would think a company as large as Sams Club would at least have it together when it comes to their own offerings of credit and payments.  Avoid at all cost, get the membership and pay cash or use another credit card at check out, not worth the headache!

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Aug 23, 2016
Anonymous Cardholder

Sam's Club (Synchrony Master Card / Discover Card) untrustworthy. They both have the same problems that

everyone has complained about.  We received a call from Synchrony Visa Card saying that someone used our card 4

States away from us 3 days ago. My question is why couldn’t they have caught this the same day? I’ll tell you why,

because it is the mistake of (SYNCHRONY BANK) To make it worse they will not talk with the wife but only the

Husband. If you will notice all of our stories are similar. They are getting our accounts mixed up with

another customer & denying all the mistakes that they make.  Your local Banks earn you cash rewards as well.

We are closing our Sam's Club Synchrony Card just as we did our Sam's Club Discover. This is a very good way to

destroy your own credit. In spite of it all I must say that I do enjoy shopping at SAM'S CLUB

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Aug 15, 2016
Worst card ever
Anonymous Cardholder

I applied for the card and then moved to a different state. I wanted to change the address online but I was asked to verify a phone number which I disconnected many years before. So I called the costumer service to change the address and update my information. They asked security question and changed it. The very next day, they blocked my account. I called again and this time, they asked for a driver's liscence AND a utility bill before they can make a decision to weather keep my account or not!! I told them that I just moved and provided with all of my personal information inluding birthday, last 4 digit of my ssn, and cell phone number. But no, they wouldn't do anything until I comply. So I ask them to just close my account for ever. 

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Aug 03, 2016
Anonymous Cardholder

Have had this card for years and have never had any problems with it. 

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Aug 02, 2016
Decent Initial Credit Line


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Jul 30, 2016
Anonymous Cardholder

I have plenty of credit with my synchrony bank/Sam's Club Master Card.  I just experience embarrassment.  The card was declined twice.  It turns out that they were just checking to see if the card was hacked.  Well, at the time I thought and so did the merchant think that I had a credit problem.  I held up the line for nothing.   I had to take time stratening this out.  The first person was extremely difficult.  His name was Wilson.  His accent was extremely hard to understand.  Even the supervisor was hard to understand.  I believe in equal opportunately but your should hire people that are easily understandable and use courtesy.

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Sam's Club® Consumer Credit Card