Sams Cash - Sam's Club (2024)

Sams Cash - Sam's Club (1)

And then it’s yours to spend in club or online or pay for your membership fees.

Earn It Use It Track It FAQs

All members (yes you!) can earn here & outside the club.

Hit the club & earn while you shop.

Plus members earn 2% Sam’s Cash on their in-club purchases, up to $500 a year. That upgrade can really pay for itself.

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Bonus Offers, ready to use. Really.

Earn Sam’s Cash when you’re out and about. Just link a card, then find and activate offers at your fave restaurants, shops, even streaming services. Learnmore.

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Meet the Sam’s Club Mastercard&reg.**

5% back on gas (on the first $6,000 per year, then 1%), 3% on Sam’s Club purchases for Plus (1% back for Club), 3% on dining and 1% on other purchases.

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Watch your inbox for special offers.

Sign up now for email and push notifications, so you never miss a chance to earn Sam’s Cash.

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Spend your Sam’s Cash how you like.

Spend it in club
& online.

Pay your membership fees.

Cash it out
in club.

Frequently Asked Questions

Do I need to opt-in or opt-out for Sam’s Cash?

Sam’s Cash is available to all Sam’s Club members. There’s no need to opt in. You can’t opt out of earning Sam’s Cash, but you can choose not to use it.

How much available Sam’s Cash do I need before I can spend it?

You can use any amount of Sam’s Cash once it’s available in your account. There’s no minimum.

Can I use Sam’s Cash on

Yes! Sam’s Cash can be used for most direct purchases from, in club or in the Sam’s Club app, including Curbside Pickup, Same-Day Delivery and Scan & Go checkout.

Can I use Sam’s Cash outside of Sam’s Club?

No. It can only be used for purchases in club, online or in the app and for Sam’s Club membership renewal fees. You can also cash out your Sam’s Cash in club at Member Services or any register with an associate.

Where can I see my Sam’s Cash?

You can see your current Sam’s Cash balance and your Sam’s Cash activity in the Sam’s Club dashboard found here. In addition, when you check out in club or online, we will show you the amount of Sam’s Cash available to be used on your purchase.

Does Sam’s Cash expire?

No, your Sam’s Cash never expires.

Does my membership need to be active to earn and spend Sam’s Cash?

Yes, only active members can earn and spend Sam’s Cash. However, you can still earn Sam’s Cash with the Sam’s Club Mastercard, even if your membership is not active but you will need an active membership to spend your Sam’s Cash.

I made a return. What happens to the Sam’s Cash I earned?

When you purchase qualifying items, you earn Sam’s Cash. If any of those items are later returned, then the amount you earned for that item(s) will be deducted from your future Sam’s Cash earnings.

I lost my card. Did I lose my Sam’s Cash?

Not at all! Your Sam’s Cash stays in your online account, even if you don’t have your card. You also have a digital membership card in the Sam’s Club app that you can use any time, and you’ll see available Sam’s Cash as a payment option during online and in-app checkout.

How do I earn Sam’s Cash with my Plus membership?

  • You earn 2% Sam’s Cash on qualifying pre-tax purchases directly from Sam’s Club made in clubs (including Scan & Go™ checkout) and through Curbside Pickup. Sam’s Club Plus members do not earn 2% in Sam’s Cash from third parties, nor for online purchases (i.e., direct ship to home or elsewhere, ship from club, delivered to home or elsewhere, etc.).
  • You can earn up to $500 annually in Sam’s Cash based on Sam’s Club qualifying purchases per membership year.
  • Only qualifying purchases made by the primary member or the complimentary household cardholder in a Sam’s Club location in the United States earn Sam’s Cash. Sam’s Club add-on members do not qualify to earn 2% Sam’s Cash for themselves or for their primary member.
  • Sam’s Club reserves the right to modify qualifying purchases as determined at Sam’s Club discretion.

Sam’s Club Plus members do not earn Sam’s Cash for purchases of the following:

  • Alcoholic beverages
  • Tobacco
  • Fuel
  • Milk and certain dairy products
  • Merchandise or services sold or provided on, including those websites not hosted by Sam’s Club, even if accessed through
  • Auctions
  • Gift cards, including third party gift cards and eGift Cards
  • Inventory, sales or services belonging to or offered by third parties (including, but not limited to, mobile phone contracts, extended warranty programs, travel, identity protection services, subscriptions, auto buying program, insurance, merchant credit card payment processing services, business payment solutions, service plans, delivery, etc.)
  • Membership fees
  • Prescription-related products, including, but not limited to:
    • Prescription products such as prescription pet medications, prescription drugs and prescription medical supplies
    • Prescription co-pays or deductibles
    • Pharmacy purchases submitted to any health benefit program, pharmacy benefit program, insurer or state/federal government health care program
  • Postage stamps
  • Services and labor offered by Sam’s Club (examples: delivery fees, tire installation, Curbside Pickup fees, etc.)
  • Taxes and fees (including sales tax, deposits, miscellaneous fees, etc.)

Sam’s Club reserves the right to add, modify or delete qualifying restrictions on product categories or products from the above list without notice.

What is the Sam’s Cash Bonus Offers program?

The Sam’s Cash Bonus Offers program allows eligible Sam’s Club members to earn Sam’s Cash that they can redeem under the Sam’s Cash loyalty rewards program. A member does this by linking an eligible credit or debit card to earn Sam’s Cash when the member completes qualifying activities at participating third-party merchants.

Who is eligible to participate in Bonus Offers?

All Sam’s Club members can enroll in Bonus Offers and earn if they are a current resident of the United States, the District of Columbia or Puerto Rico, and have a current Sam’s Club membership and account. Primary and add-on members can use Bonus Offers by signing up with their account.

Is Bonus Offers free?

Yes! The program is totally free. It does not cost anything to link your eligible credit or debit card to the Program.

How do I earn Sam’s Cash with Bonus Offers?

Once you have consented to participate in the program and have linked an eligible payment card, you can earn Sam’s Cash when you complete qualifying activities for each offer, such as activating an offer and/or making a qualifying purchase at a participating merchant with your linked payment card(s). Some offers may be available only to certain members and/or limited to specified payment cards. Any terms and conditions associated with a particular qualifying activity will be presented to you with the offer itself. Participating merchants, qualifying activities and offers may change from time to time without notice. Please see the Sam’s Cash Loyalty Rewards Program Terms and Conditions for more information about how to earn Sam’s Cash.

Where can I learn more about Sam’s Cash Bonus Offers?

For more FAQs, visit the Help Center.

* The Sam’s Cash Loyalty Rewards Program (the “Sam’s Cash Program”) is a rewards currency program that allows U.S. and Puerto Rico Sam’s Club members to earn and redeem Sam’s Cash rewards, also referred to as “cash back rewards,” on qualifying purchases (exclusions and restrictions apply) made in the U.S. and in Puerto Rico as set forth in the Sam’s Cash Program Terms and Conditions. Marketing materials may refer to “Sam’s Cash,” “cash back rewards,” or similar variations interchangeably to describe the rewards associated with the Sam’s Cash Program. Participation in the Sam’s Cash Program is automatic and subject to the Sam’s Cash Terms and Conditions, the Sam’s Club Membership Terms and Conditions, the Sam’s Cash Bonus Offer Program terms, the Sam’s Club® Mastercard program terms and other Sam’s Club rules and policies that may be applicable, all of which are subject to change and may be revised without notice. Sam’s Cash has no cash value until such time as the rewards are redeemed at a Sam’s Club. Sam’s Cash can only be redeemed by active Sam’s Club members. Sam’s Cash cannot be earned where application of the Sam’s Cash Program would be prohibited by law or regulation. Restrictions apply to earning and redeeming Sam’s Cash. See Sam’s Cash Program Terms and Conditions for details.

** Sam’s Club® Mastercard® cardholders earn Sam’s Cash on eligible net purchases (less credits, returns, taxes and adjustments) made with their Sam’s Club® Mastercard® account. Rewards percentages depend on the type of purchase made. Sam’s Cash is not earned on the following purchases or transactions at Sam’s Club or cash advances, tobacco and smoking related products (including electronic cigarettes), prescription purchases, reloading or purchases of prepaid cards, gift cards (including third party gift cards), traveler’s checks or any cash equivalents. Maximum of $5,000 in Sam’s Cash can be earned in a calendar year. Eligible purchases on multiple Card Accounts for the same Sam’s Club member, including business and personal accounts, will be aggregated in determining the $5,000 maximum Sam’s Cash per year. Sam’s Cash earned under the Sam’s Club Mastercard Rewards Program will be issued and combined with all other Sam’s Cash earned under the Sam’s Cash Loyalty Rewards Program, within 1-2 billing cycles after being earned. Sam’s Cash is forfeited if the Sam’s Club® Mastercard® account is not in good standing (i.e., is delinquent) or if the Sam’s Club Membership terminates or lapses. Sam’s Cash earned will be automatically loaded onto your Sam’s Club membership and may be redeemed only at a Sam’s Club location or at See the “How to Earn Sam’s Cash with your Sam’s Club® Mastercard®” rewards program terms for details. Subject to credit approval. The Sam’s Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design is a trademark of Mastercard International Incorporated.

Sam's Cash for Plus members only. Get 2% back on qualifying pre-tax in-club purchases. Maximum $500 Sam's Cash per 12-month membership. Sam's Cash awarded monthly and loaded onto the membership card for use in club, at or redeemable for cash. Restrictions apply. See or Club Associate for details.

Subject to credit approval. See your “How to Earn Sam’s Cash with your Sam’s Club® Mastercard®” rewards program terms for details or visit

Sams Cash - Sam's Club (2024)


How does Sam's cash work at Sam's Club? ›

What is Sam's Cash? The Sam's Cash Loyalty Rewards Program is a rewards program that allows all Sam's Club Members (U.S. and Puerto Rico) with an active and valid membership, to earn and redeem Sam's Cash on qualifying activities and purchases made inside and outside of Sam's Club. See terms.

Why am I not earning Sam's cash? ›

Only qualifying purchases made by the primary member or the complimentary household cardholder in a Sam's Club location in the United States earn Sam's Cash. Sam's Club add-on members do not qualify to earn 2% Sam's Cash for themselves or for their primary member.

What happened to my Sam's cash? ›

If your Sam's Cash is stolen or missing, please call Member Care with your membership account information and one of our Member Advocates will further assist you.

What is the Sam's cash bonus offer program? ›

The Sam's Cash Bonus Offers program allows eligible Sam's Club members to earn Sam's Cash that they can redeem under the Sam's Cash loyalty rewards program. A member does this by linking an eligible credit or debit card to earn Sam's Cash when the member completes qualifying activities at third-party merchants.

How do I know how much Sam's cash I have? ›

A: Your Sam's Cash balance is available at the register when you make a purchase using your Sam's Club Mastercard or by logging into your account at Go to “Your Account,” and then “Account Information.”

How to use Sam's cash to renew membership? ›

Sign in to your account to check renewal date or renew online. Pay your membership fees with accrued Sam's Cash, cards on file or you can add a new card for the renewal.

Why is my Sam's cash pending? ›

After making a qualifying purchase with a linked card, you will receive a push notification showing that our system picked up your credit card transaction. The cash back amount you have earned will be in a "pending" state in our system until the transaction has been officially cleared on our end.

Is having a Sam's Club membership worth it? ›

Sam's Club Plus members can rack up to $500 in cash rewards

Plus members get 2% back in Sam's Cash on qualifying pre-tax purchases for up to $500 a year. So, if you spend at least $2,500 at Sam's Club in your first year, your Sam's Club Plus membership will pay for itself in full.

Do you have to pay cash at Sam's Club? ›

Sam's Club accepts all major credit cards drawn from U.S. based accounts, excluding territories and/or municipalities. International credit cards are not accepted in club or online. *EBT / SNAP can only be used for club purchases.

Is Sam's cheaper than Walmart? ›

Sam's Club wins the price comparison battle, but with some important caveats. The warehouse store typically sells items in bulk or, at the very least, in larger sizes than you would find in a typical package at a regular retail store like Walmart.

Can you go to Sam's Club without your card? ›

Next time you find yourself standing at the entrance of a Sam's Club without your membership card, remember that you can still shop to your heart's content. The accommodating staff will gladly provide you with a temporary shopping pass, ensuring that your forgetful moment doesn't put a damper on your shopping spree.

How do I get my money back from Sam's Club? ›

Return your item with your receipt to the Member Services desk at any Sam's Club location. Your refund will be issued as cash or credit, depending on your original form of payment.

What qualifies for Sam's cash? ›

Essentially, Sam's Cash is a way to earn rewards by making in-store purchases as a Sam's Club member, earning you rewards that you can choose how to use later. You have to be a Sam's Club Plus member to earn Sam's Cash or have a Sam's Club Mastercard that can rack you up rewards wherever you make purchases with it.

How do you get the 45 dollars from Sam's Club? ›

The warehouse club is offering new members a $45 credit to use on your first Sam's Club purchase (made within 60 days of joining) when they sign up for an annual fee of $45.

What is the difference between Sam's Club Plus and regular membership? ›

Plus membership provides the best, highest value available. If you run a business, Plus benefits like free shipping, Curbside Pickup and early shopping hours can help take your business to the next level.

How do I get cash off my Sam's Club card? ›

To get a Sam's Club® Credit Card cash advance:
  1. Call Synchrony Bank customer service at 1-800-964-1917 and request a PIN, if you don't already have one.
  2. Insert the credit card at an ATM and enter the PIN.
  3. Select the cash advance option on the ATM screen.
  4. Enter the amount you'd like to withdraw.
Jan 11, 2024

Can you do cash at Sam's Club? ›

Sam's Club accepts all major credit cards, including Visa, Mastercard, American Express, and Discover. All of these options make it easy for members to pay with their favorite credit card at check out. Plus, customers can always pay with cash, debit cards, checks, SNAP and Sam's Club and Walmart gift cards.

How do the instant savings work at Sam's Club? ›

Simply bring the Instant Savings item to the register or purchase online once it's scanned – the Instant Savings discount will be automatically deducted from the register total. No paper coupons to clip, save, download, or keep track of.

What's the difference between the $45 and $100 Sam's Club membership? ›

What is the difference between Sam's Club memberships? The Club membership is the cheaper option and grants you access to Sam's Club prices. The Plus membership is more expensive and offers additional benefits, such as free shipping, free curbside pickup and early shopping hours.


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