Is the Sam’s Club credit card valid at Walmart? (Updated in 2022!)
Sam’s Club is owned and operated by Walmart, but does that mean they’re the same? They’re obviously two very different business models, but does the Sam’s Club credit card work at Walmart?
We looked into it and here’s what we found…
Is the Sam’s Club credit card valid at Walmart?
Sam’s Club offers paying members two credit cards associated with the member’s paying account: the Sam’s Club Credit Card and the Sam’s Club Master Card. Both are accepted at Walmart nationwide.
This article covers Walmart and Sam’s Club credit cards: what they are, where to get them, and where to use them.
Are Sam’s Club Cards and Walmart Credit Cards the Same Thing?
The Sam’s Club credit card and the Walmart credit card are not the same card, but both companies accept them as a form of payment, although it may depend on where you shop – online or in-store.
Sam’s Club (actually the Samsey Company) is owned and operated by Walmart Corporation, which was founded and named Sam’s Club in 1983 after Walmart founder Sam Walton. The first Sam’s Club store opens in Oklahoma.
That’s why you can use your Sam’s Club and Gift Cards with both companies and vice versa.
Sam’s Club (instore) will accept the following payment methods:
- Sam’s Club Credit Card (Sam’s Club Credit Card or Sam’s Club Mastercard)
- walmart credit card
- Sam’s Club and Walmart Gift Cards
- cash or check
- debit card
- American Express, Visa, Mastercard
- Find
- SNAP/EBT payments
- prepaid credit card
SamClub.com (online) will accept all of the above options as payment Apart from:
Walmart (in-store) will accept the following payment methods:
- Capital One Walmart Credit Card (Walmart Credit Card or Walmart MasterCard)
- Sam’s Club Credit Card
- Walmart and Sam’s Club Gift Cards
- cash or check
- debit card
- American Express, Visa, Mastercard
- EBT payment
- prepaid credit card
- Paypal/Confirm
Walmart (online) will accept all of the above options as payment Apart from:
- Some states like Alaska, Montana and Louisiana do not support online EBT
- cash or check
Read: Sam’s Club Hours of Operation
Can I use my Walmart Capital One card at Sam’s Club?
You can absolutely use your Walmart Capital One card at Sam’s Club—and anywhere else Mastercard is accepted. By contrast, your Walmart credit card (or rewards card) is only used for Walmart (and Sam’s Club) purchases.
Likewise, your Sam’s Club credit card only works in Sam’s Club (and Walmart) warehouses, and your Sam’s Club Mastercard can be used anywhere Mastercard is accepted.
Your Walmart Rewards Card will earn you:
- 5% rebate from Walmart.com
- 2% off Walmart stores
Your Walmart Capital One Mastercard will earn you:
- 5% rebate from Walmart.com
- 2% off Walmart stores
- 2% rebate from restaurants and travel
- 1% rebate on all other purchases
Your Sam’s Club credit card has:
- No annual fee
- Available at all Sam’s Club/Walmart locations
Your Sam’s Club Mastercard will earn you:
- 5% cash back on gas anywhere Mastercard is accepted (on the first $6,000 per year)
- 3% cash back on Sam’s Club purchases (1% for Plus/Club members)
- 3% cash back on dining/delivery
- 1% cash back on purchases anywhere Mastercard is accepted
Read: Does Sam’s Club Have Cash Checks?
in conclusion..
Matching your credit card to the correct store can be confusing, especially when the store issues multiple credit cards with different rewards that can be used at different locations.
Sam’s Club also offers membership options: Club ($45 per year) and Plus ($100 per year). It’s important to remember that if you purchase a Plus membership, your Mastercard will give you even more rewards.
So before applying for a credit card, it’s a good idea to figure out how often you shop, how much you buy, and the terms and conditions that come with each card.
