Pay your Sam's Club credit card online, by phone, or by mail
Sam's Club offers three main ways to pay your credit card bill: through their online portal, by calling their customer service line, or by mailing a check. The fastest and most direct route is the online payment portal, where you can make a one-time payment or set up automatic payments. If you prefer to speak with someone, you can call the number on the back of your card. Mailed payments take longer to process — typically 7 to 10 business days — so use this method only if you cannot pay online or by phone.
Your payment due date appears on your monthly statement and in your online account. Payments made online or by phone usually post within one business day. If you pay after the due date, Sam's Club will report the late payment to credit bureaus, which can lower your credit score.
Key Takeaways
- The Sam's Club credit card payment portal is at samsclub.com/cc, where you can log in with your membership number or email address.
- You can set up automatic payments from a bank account to may support you never miss a due date.
- Payments made online or by phone post within one business day; mailed payments take 7 to 10 business days.
- Late payments are reported to credit bureaus and may result in interest charges and fees.
- If you cannot pay the full balance, you can make a partial payment, though interest will accrue on the remaining balance.
Pay online through the Sam's Club website
Go to samsclub.com/cc and select "Pay Your Bill" or "Make a Payment." You will be asked to log in using your membership number, email address, or the card number itself. Once logged in, you can view your current balance, due date, and payment history.
Enter the amount you want to pay and choose your payment method. Sam's Club accepts payments from a checking or savings account (ACH transfer). You will need to provide your bank routing number and account number. Do not use a credit card to pay your Sam's Club card — most banks treat this as a cash advance and charge higher interest rates and fees.
Review the payment details and confirm. You will receive a confirmation number on screen and by email. The payment will post to your account within one business day.
Set up automatic payments to avoid missing a due date
Automatic payments remove the risk of forgetting to pay. Log into your account at samsclub.com/cc, go to "Manage Autopay" or "Automatic Payments," and select the amount and frequency you want. You can choose to pay the full statement balance, a fixed dollar amount, or the minimum payment each month.
Automatic payments are deducted from your bank account on the date you choose — typically a few days before your due date. If you need to change or cancel an automatic payment, you can do so in your account settings at any time. Sam's Club will send you a reminder email before each automatic payment is processed.
Pay by phone with a customer service representative
Call the number on the back of your Sam's Club credit card to speak with a representative. They will ask for your card number, membership number, or Social Security number to verify your account. Have your checking or savings account information ready if you want to pay by bank transfer.
Phone payments are processed when ready and post within one business day. You will receive a confirmation number. This method is useful if you have questions about your balance or if you need to discuss a payment arrangement, but it takes longer than paying online.
Mail a check or money order
Write a check or money order payable to Sam's Club and include your account number or card number on the memo line. Mail it to the address shown on your statement under "Payment Address" or "Make Checks Payable To." Do not send cash.
Mailed payments typically take 7 to 10 business days to post, so send your payment well before your due date to avoid a late fee. If your payment arrives after the due date, it will be recorded as late even if you mailed it on time. Keep a copy of your check or money order receipt for your records.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date, Sam's Club will charge a late fee (the amount varies but is typically $25 to $40 for the first late payment). Your interest rate may also increase, and the late payment will be reported to the three major credit bureaus: Equifax, Experian, and TransUnion. A single late payment can lower your credit score by 50 to 100 points.
If you are unable to pay by the due date, contact Sam's Club as soon as possible. Some cardholders can negotiate a payment plan or a temporary hardship arrangement. The sooner you reach out, the more options you may have.
Understand your statement and balance
Your monthly statement shows your opening balance, all purchases and fees from that month, your payment history, and your new balance. The statement also lists your minimum payment (usually 1 to 3 percent of your balance) and your due date.
Your current balance includes all unpaid purchases, cash advances, balance transfers, interest charges, and fees. If you only pay the minimum, interest will accrue on the remaining balance at your card's annual percentage rate (APR). Sam's Club credit cards typically carry APRs between 16 and 24 percent, depending on your creditworthiness and current market rates.
Frequently Asked Questions
Can I pay my Sam's Club credit card with another credit card?
No. Most credit card issuers, including Sam's Club, do not allow you to pay with another credit card. You can only pay with a bank account (ACH transfer), check, or money order. Paying with a credit card would be treated as a cash advance and would incur higher fees and interest rates.
What if I want to pay more than my minimum payment?
You can pay any amount up to your full balance at any time. Paying more than the minimum reduces the interest you owe and lowers your balance faster. You can make multiple payments in a single month if you want.
How do I know if my payment was received?
If you paid online or by phone, you will receive a confirmation number when ready and an email confirmation within a few minutes. If you mailed a check, you can log into your account after 7 to 10 business days to see if the payment has posted. You can also call customer service to confirm receipt.
What if I need to dispute a charge on my statement?
Contact Sam's Club customer service at the number on your card or through your online account. You do not need to withhold payment while disputing a charge, but you should report the dispute within 60 days of the statement date. Sam's Club will investigate and may issue a credit if the charge is found to be unauthorized or incorrect.
Can I set up automatic payments for a specific dollar amount instead of my full balance?
Yes. When you set up autopay, you can choose to pay a fixed amount each month, the full statement balance, or the minimum payment. If you choose a fixed amount that is less than your full balance, interest will accrue on the remaining balance.