How to pay your Sam's Club credit card
You can pay your Sam's Club Mastercard through the Sam's Club website, the Sam's Club mobile app, by phone, or by mail. The fastest way is online or through the app — both let you make a payment in minutes without calling. You'll need your card number and account information to get your free guide.
Sam's Club does not charge a fee to pay your credit card bill, no matter which method you choose. Your payment posts to your account within one to two business days when you pay online or by app, and within five to seven business days when you pay by mail or phone.
Key Takeaways
- Pay online at samsclub.com, through the Sam's Club mobile app, by calling the number on the back of your card, or by mailing a check to the address on your statement.
- Online and app payments usually post within one to two business days; phone and mail payments take five to seven business days.
- You can set up automatic monthly payments so your bill is paid on the same day each month without you having to remember.
- Sam's Club does not charge a fee for any payment method, including paying by phone or mail.
- If you miss a payment, contact Sam's Club right away — late fees and interest charges begin after 30 days past due.
Paying online or through the Sam's Club app
The Sam's Club website and mobile app are the quickest ways to pay. Go to samsclub.com, sign in to your account, and look for the credit card or payments section. You'll enter the amount you want to pay and confirm your payment method — usually a bank account or debit card. The payment processes when ready, though it may take one to two business days to show on your statement.
The Sam's Club mobile app works the same way. read the app, log in, navigate to your credit card account, and select the payment option. You can pay your full balance, the minimum payment, or any amount in between. Keep your receipt or confirmation number for your records.
Setting up automatic payments
If you want your bill paid the same way each month without remembering, you can set up automatic payments through the Sam's Club website or app. Choose the day of the month you want the payment to come out — many people pick the day after they get paid — and select whether you want to pay the full balance, the minimum, or a fixed amount.
You can change or stop automatic payments at any time by logging into your account. This is useful if your income changes or you want to adjust how much you're paying each month. Keep in mind that automatic payments still take one to two business days to post, so make sure you have enough money in your bank account on the day the payment is scheduled.
Paying by phone
Call the number on the back of your Sam's Club credit card to pay by phone. A representative will ask for your account information and the amount you want to pay. You'll need to provide your bank account number or debit card information to complete the payment over the phone.
Phone payments take five to seven business days to post to your account. If your bill is due soon, paying online or through the app is faster. There is no fee for paying by phone, and you can pay any amount — your full balance, the minimum, or something in between.
Paying by mail
You can mail a check or money order to the address listed on your monthly statement. Write your account number on the check so Sam's Club knows which account to credit. Mail payments typically take five to seven business days to arrive and post, so send your payment at least a week before your due date to avoid late fees.
Keep a copy of your check or money order for your records. If you're concerned your payment didn't arrive, you can call the number on the back of your card to confirm that it posted to your account.
What happens if you miss a payment
If your payment is late, Sam's Club will charge a late fee and interest on your balance. The longer the payment is overdue, the more interest you'll owe. After 30 days past due, the late fee applies and your interest rate may increase.
If you realize you've missed a payment, contact Sam's Club right away. Call the number on the back of your card and explain your situation. The sooner you pay, the less interest and fees you'll owe. Some cardholders have been able to get a late fee removed if they pay quickly and have a good payment history, but this is not may provide.
Understanding your billing cycle and due date
Your Sam's Club credit card statement shows your billing cycle — the dates covered by that month's charges — and your payment due date. The due date is usually 21 to 25 days after your statement closes. You can find both dates on your monthly statement or by logging into your account online.
Your payment is on time as long as it posts by 5 p.m. Eastern time on the due date. If you're paying by mail or phone, remember that it takes five to seven business days to post, so send your payment earlier. If you're paying online or through the app, you have until the due date itself since the payment posts within one to two business days.
Frequently Asked Questions
Can I pay my Sam's Club credit card with a different bank account than the one I used to open the card?
Yes. When you pay online, through the app, or by phone, you can use any bank account or debit card you have access to. You don't have to use the same account you set up originally. Just make sure the account is in your name or that you have permission to use it.
What's the difference between the minimum payment and paying the full balance?
The minimum payment is the smallest amount Sam's Club will accept each month — usually around 1 to 3 percent of your balance. If you pay only the minimum, you'll owe interest on the remaining balance. Paying your full balance means you owe no interest. Paying more than the minimum but less than the full balance reduces your interest but doesn't eliminate it.
Is there a fee if I pay my credit card bill early?
No. Sam's Club does not charge a fee for paying early or paying more than your minimum payment. You can pay your balance in full at any time without penalty.
What if I want to dispute a charge on my Sam's Club credit card?
Contact Sam's Club by calling the number on the back of your card and explain which charge you believe is wrong. You have 60 days from the date the charge appeared on your statement to report it. Sam's Club will investigate and may remove the charge from your account while they look into it.
Can I pay my Sam's Club credit card bill at a Sam's Club warehouse location?
No. Sam's Club does not accept credit card payments in person at warehouse locations. You must pay online, through the app, by phone, or by mail.