How should I finance a large purchase at Sam’s... - Other Questions


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Credit Card Applications » Questions » User Questions » Other » How should I finance a large purchase at Sam’s Club?

How should I finance a large purchase at Sam’s Club?

Answered on | Updated on December 1st, 2018
The content is accurate at the time of publication and is subject to change.

The Sam's Club credit card does not offer any interest free financing options like many other store cards do. And ironically, their credit card does not offer additional rewards other than the standard 1% cash back given on all purchases. However, you can always get the Plus membership which is double the price of the standard membership ($100 versus $45), but may be well worth it depending on the price of the item you are buying and how often you shop there.

The Plus membership is available to everyone and no credit check is required. Having the Sam's Club Plus membership gets you a $10 rewards certificate for every $500 spent.  That is equal to 2% rewards. You do not need the Sam's Cub credit card to have a Sam's Club Plus membership and receive the rewards. There is no additional benefit in using the Sam’s Club credit card in conjunction with the Plus membership. In fact the best option for financing a large purchase at Sam's Club would be to use their Plus membership together with a reward reaping credit card with a 0% promotional interest period.

Consider, for example, the Discover it® Cash Back card. It has 0% intro APR period (after introductory period is over the ongoing APR will apply) and decent rewards.

Discover it® Cash Back
Earning Rewards:
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, and more up to the quarterly maximum, each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases - automatically.
Rewards Bonus: INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

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All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
  • Martin

    You will definetly save more with 0% card rather than with sam’s club credit card.

  • oopsie

    Thanks. I hope I will get 5k or more credit limit.

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