Sam’s Club Mastercard
Annual Fee: $N/A
This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.
Here’s the average credit limit of members who matched their Sam’s Club Mastercard or similar cards.
% of members by credit limit range
The average credit limit for members who have matched with this card or similar cards is $2,508, with $1,000 being the most common.
Here’s the average credit score of members who matched their Sam’s Club Mastercard or similar cards.
% of members by credit score range
The average credit score for members who have matched with this card or similar cards is 648, with 631 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
47.2%
Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.
53 years
Average age of members who matched this card or similar cards.
$81,321
Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.
Member reviews
Most helpful positive review
February 21, 2016
So far so good, I'm happy with it
— Credit Karma Member
Unless I'm just confused and have a different card, I don't understand the negative reviews here. I have the Sam's Club Mastercard which I got after getting the Sam's Plus membership. So far it has been excellent and I haven't experienced any of the issues other users have. 1. I got a $1,500 credit limit with NO HARD PULL. I have no idea why, I was in disbelief myself. I wasn't even after a credit card that day and I made the rep all but sign in blood that applying for the card wouldn't be an inquery. It's been 4 months and I seriously don't have any new inqueries on my reports. 2. The online portal works fine. It looks like it was designed in 1995 and has a few minor issues (Payments default to the first of the next month, if you're making an early payment pay attention to the little calendar pop-up) but nothing serious enough to heavily criticize. 3. So far none of my payments has been messed up, counted as late or anything like that. I don't use the card as if it were extra money though; I only use it when I actually have the money I'm spending with it. Basically I just treat the card as if it were a 1% discount on everything, 3% for food and 5% for gas. Maybe that's the key difference; people complaining are using their card irresponsibly. If your income doesn't change from month to month, you have no reason to abuse a credit card and treat it like extra cash. If you couldn't afford that stuff this month, how will you afford it next month?! 4. After about 4 months of service my credit limit has increased to $2,000 and I didn't even ask (that I can remember). My score isn't even that great yet; FICO is in the 650's and Vantage scores are all in the 640's. I don't know why I'm having such a positive experience with this card and others aren't. My guess is that people just don't use credit cards responsibly or maybe I have a different card and I'm just confused. It's not a business card that I know of, I log-in through the "Consumer Credit Account" portal, not the business one. I only detracted one star because the web interface is fairly dated and their reporting date (maybe due to my billing cycle) is at an odd time of the month so balances on my card affect my scores longer than they should when I'm self-monitoring because it's out of sync with when Credit Karma and my other services pull their info.
Most helpful negative review
November 5, 2023
The worst credit card
— Credit Karma Member
They changed my credit limit from 2500 to 250 imagine! With no reason No reasons they affected my credit score They have the worst customer service with no knowledge