Sams Club World Elite MasterCard (2024)

FAQs

Where can I use my Sam's Club World Elite Mastercard? ›

Anywhere Mastercard is accepted. Sam's Cash™ earned is subject to each program's terms, including different maximum rewards and payout dates.

"World Elite" is the highest of the three levels of Mastercard benefits. It includes all the benefits of the lower two tiers — "Standard" and "World" — plus a few of its own, including concierge service and benefits at specific merchants.

Earn more cash back as a Plus member

In terms of standard ongoing rewards, the Sam's Club Mastercard offers a stellar 5 percent cash back on gas (up to $6,000 per year, then 1 percent), as well as 3 percent back on dining and takeout ($5,000 cash rewards maximum per year) and 1 percent cash back on everything else.

With a $0-annual-fee, the Sam's Club Mastercard is a solid, low-cost cash back credit card.

The credit limit for the Sam's Club Mastercard depends on creditworthiness. Some cardholders may only receive a credit limit of $1,000, while others could receive as much as $10,000.

Benefits of Sam's Club Consumer MasterCard: Payments accepted at Sam's Club and Walmart. Add an authorized user. Easy online account management.

The program's benefits are generally geared toward improving hotel stays with things like rate guarantees and free upgrades at three-star hotels and up. World Elite Mastercards typically require excellent or good credit to apply—defined by FICO as a score of 670 and up—and may carry an annual fee.

World Elite Mastercard must have a minimum personal income of $80,000 or household income of $150,000.

Unlike the Sam's Club store credit card, the Sam's Club Mastercard is accepted anywhere Mastercard credit cards are accepted, including at nearly all grocery stores and gas stations.

Alternatively, you can apply in store. Keep in mind that the Sam's Club® Credit Card requires Good credit, which means you need a 700+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score.

Is it hard to get approved for Sam's Club Mastercard? ›

The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.

While standard Mastercards offer fraud protection and security perks, more useful benefits like statement credits with Lyft and DoorDash and cellphone protection kick in with mid-tier World cards. Rounding things out, World Elite cards offer superior cellphone protection and concierge services.

Plus membership. Plus membership ($110 for an annual membership) includes all the benefits of Club membership and tons of extra exclusive perks that add even more value.

Basic Card Facts

Can I only use the Kroger Rewards World Elite Mastercard^® for purchases in-store? No. You can use the Kroger Rewards World Elite Mastercard^® anywhere Mastercard is accepted.

Where can I use my Sam's Club Credit Card? Use your Sam's Club Mastercard anywhere that Mastercard is accepted. How do I pay my credit card bill? If unsure which card you have, reference your physical card and select the login that matches your card or select the card type option from the login screen.

Most Mastercard World and World Elite credit cards offer membership to the LoungeKey airport lounges network.

The easiest way you can redeem your Sam's Club® Credit Card rewards is by logging in to samsclub.com and choosing “Sam's Club Mastercard Cash Back” during checkout. You can also redeem rewards in-store at any register, self-checkout, or Scan & Go.