Synchrony Sam's Club Credit Card: 2023 Ultimate Guide

The Synchrony Sam's Club Credit Card is a popular credit card that offers a variety of benefits to cardholders. These benefits include:

• Earn 5% cash back on Sam's Club purchases
• Earn 3% cash back on gas purchases
• Earn 1% cash back on all other purchases
• No annual fee
• Free shipping on Sam's Club orders
• Extended warranty on Sam's Club purchases

If you're a frequent Sam's Club shopper, the Synchrony Sam's Club Credit Card is a great way to save money on your purchases. Here's a closer look at the card's benefits:

5% Cash Back on Sam's Club Purchases

The Synchrony Sam's Club Credit Card offers 5% cash back on all Sam's Club purchases. This is a great way to save money on your everyday shopping. For example, if you spend $100 per month on Sam's Club purchases, you'll earn $5 in cash back. That's $60 in cash back over the course of a year!

3% Cash Back on Gas Purchases

The Synchrony Sam's Club Credit Card also offers 3% cash back on all gas purchases. This is a great way to save money on your fuel costs. For example, if you spend $50 per month on gas, you'll earn $1.50 in cash back. That's $18 in cash back over the course of a year!

1% Cash Back on All Other Purchases

The Synchrony Sam's Club Credit Card offers 1% cash back on all other purchases. This includes purchases made at restaurants, grocery stores, and department stores. While this isn't as much as the 5% cash back you'll earn on Sam's Club purchases, it's still a great way to save money on your everyday spending.

No Annual Fee

The Synchrony Sam's Club Credit Card has no annual fee. This means that you can enjoy all of the benefits of the card without having to pay an annual fee.

Free Shipping on Sam's Club Orders

The Synchrony Sam's Club Credit Card offers free shipping on all Sam's Club orders. This is a great way to save money on your online shopping. For example, if you spend $50 on a Sam's Club order, you'll save $5 on shipping.

Extended Warranty on Sam's Club Purchases

The Synchrony Sam's Club Credit Card offers an extended warranty on all Sam's Club purchases. This means that you can rest assured that your purchases are protected if they break or become damaged.

How to Apply for the Synchrony Sam's Club Credit Card

Applying for the Synchrony Sam's Club Credit Card is easy. You can apply online, by phone, or in person at your local Sam's Club store.

To apply online, visit the Synchrony Sam's Club Credit Card website. You'll need to provide your personal information, including your name, address, and Social Security number. You'll also need to provide your income and employment information.

To apply by phone, call 1-888-347-0002. You'll need to provide the same information that you would provide if you were applying online.

Common Mistakes to Avoid

There are a few common mistakes that people make when using the Synchrony Sam's Club Credit Card. Here are a few tips to help you avoid these mistakes:

• Don't overspend. It's easy to get carried away when you're earning cash back on your purchases. However, it's important to remember that you should only spend what you can afford to repay.
• Pay your bills on time. Late payments can damage your credit score and result in fees. Make sure to pay your bills on time, every time.
• Keep your balance low. Carrying a high balance on your credit card can increase your interest charges and damage your credit score. Try to keep your balance low by paying it off in full each month.

Pros and Cons

Here is a summary of the pros and cons of the Synchrony Sam's Club Credit Card:

Pros:

• Earn 5% cash back on Sam's Club purchases
• Earn 3% cash back on gas purchases
• Earn 1% cash back on all other purchases
• No annual fee
• Free shipping on Sam's Club orders
• Extended warranty on Sam's Club purchases

Cons:

• Only available to Sam's Club members
• High purchase APR (25.99%)
• High balance transfer APR (25.99%)

FAQs

Here are some frequently asked questions about the Synchrony Sam's Club Credit Card:

Q: What is the credit limit for the Synchrony Sam's Club Credit Card?

A: The credit limit for the Synchrony Sam's Club Credit Card varies depending on your creditworthiness. However, most people can expect a credit limit of between $500 and $5,000.

Q: How do I redeem my cash back rewards?

A: You can redeem your cash back rewards by check, gift card, or statement credit.

Q: Is the Synchrony Sam's Club Credit Card a good card for building credit?

A: The Synchrony Sam's Club Credit Card can be a good card for building credit if you use it responsibly. The card has a low annual fee and no balance transfer fee. This makes it a good option for people with bad credit or no credit history.

Q: Can I use the Synchrony Sam's Club Credit Card outside of Sam's Club?

A: Yes, you can use the Synchrony Sam's Club Credit Card anywhere Visa is accepted. However, you will only earn 5% cash back on Sam's Club purchases.

Conclusion

The Synchrony Sam's Club Credit Card is a great way to save money on your everyday purchases. The card offers a variety of benefits, including 5% cash back on Sam's Club purchases, 3% cash back on gas purchases, 1% cash back on all other purchases, no annual fee, free shipping on Sam's Club orders, and an extended warranty on Sam's Club purchases. If you're a frequent Sam's Club shopper, the Synchrony Sam's Club Credit Card is a great way to save money on your purchases.