Sam's Club Credit Card payments go through Synchrony, not Sam's Club itself
The Sam's Club Mastercard is issued by Synchrony Financial, so you pay the bill directly to Synchrony rather than to Sam's Club. You can pay online through Synchrony's website or mobile app, by phone, or by mail. The fastest route is logging into your Synchrony account at mysynchrony.com, where you can see your balance, set up automatic payments, and make a one-time payment in minutes.
If you do not yet have a Synchrony online account, you will need to set one up first using your card number and other identifying information. Synchrony will send you a confirmation email, and you can then log in and pay when ready. There is no fee for paying online through Synchrony's website or app.
Key Takeaways
- Sam's Club Mastercard payments are made to Synchrony Financial at mysynchrony.com, not directly to Sam's Club.
- You can pay online, by phone at 1-866-945-9060, or by mail to the address on your statement.
- Setting up automatic payments through Synchrony ensures your payment posts on time and helps you avoid late fees.
- Payments made online typically post within one business day, though Synchrony recommends paying at least three days before your due date.
Logging in to your Synchrony account for the first time
Go to mysynchrony.com and select "Enroll Now" or "Register" to create your account. You will need your Sam's Club Mastercard number, Social Security number, date of birth, and the zip code on your account. Synchrony will verify your identity and send you a temporary password by email.
After you receive the email, return to mysynchrony.com, log in with your temporary password, and create a permanent one. Once you are logged in, your current balance, due date, and recent transactions will appear on your dashboard. You can then make a payment when ready or set up automatic payments for future months.
Making a one-time payment online
Log into your Synchrony account at mysynchrony.com. On your account dashboard, look for a "Make a Payment" button or link, usually near the top of the page. Click it and enter the amount you want to pay — you can pay the full balance, the minimum payment, or any amount in between.
Select your payment method: you can pay from a checking or savings account (which takes one to two business days) or use a debit card (which posts the same day). Enter the account or card details, review the payment amount and date, and confirm. Synchrony will show you a confirmation number on screen and send a receipt by email.
Setting up automatic payments to avoid missed due dates
Automatic payments remove the risk of forgetting to pay and triggering a late fee. In your Synchrony account, look for "Automatic Payments" or "Recurring Payments" in the settings or account management section. Select the amount you want to pay each month — full balance, minimum payment, or a fixed dollar amount — and the date you want it to come out of your bank account.
Synchrony will deduct that amount on the date you choose each month until you cancel the arrangement. You can change or stop automatic payments at any time through your account. If your balance varies month to month, paying the full balance automatically ensures you never carry interest charges.
Paying by phone or mail if you cannot pay online
To pay by phone, call Synchrony at 1-866-945-9060. A representative will ask for your card number, the amount you want to pay, and your bank account or debit card information. Phone payments typically post within one business day. You do not need to have a Synchrony online account to pay by phone.
To pay by mail, write a check or money order payable to Synchrony and include your account number on the check. Mail it to the address shown on your monthly statement under "Payment Address" — this address changes depending on which Synchrony processing center handles your account, so always use the address on your current bill. Mail payments take five to seven business days to post, so send them at least a week before your due date.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date shown on your statement, Synchrony will charge a late fee. The amount depends on your balance but typically ranges from $25 to $40 for the first late payment. A late payment also appears on your credit report and may raise your interest rate.
If you realize you will miss a due date, contact Synchrony by phone as soon as possible. Some representatives can work with you on timing, though they are not required to waive fees. Paying even a few days late is better than not paying at all, because it stops the account from going into default. After you catch up, your credit report will eventually reflect the on-time payments again, though the late mark stays for seven years.
Frequently Asked Questions
How long does it take for an online payment to show up?
Payments made online through Synchrony typically post within one business day. Synchrony recommends paying at least three business days before your due date to may support it arrives on time. If you pay by debit card, the payment may post the same day.
Can I pay my Sam's Club credit card through the Sam's Club website or app?
No. Sam's Club does not process credit card payments directly. You must pay through Synchrony at mysynchrony.com or by calling 1-866-945-9060. The Sam's Club website and app do not have a payment option for the Mastercard.
What if I do not remember my Synchrony password?
Go to mysynchrony.com and click "Forgot Password" on the login page. Synchrony will send a password reset link to the email address on file. If you do not have access to that email, call 1-866-945-9060 and a representative can help you regain access to your account.
Can I pay more than the minimum to pay off my card faster?
Yes. You can pay any amount up to your full balance whenever you log into your Synchrony account. Paying more than the minimum reduces the interest you owe and helps you pay off the card faster. You can also set up automatic payments for a fixed amount higher than the minimum.
Is there a fee for paying online?
No. Synchrony does not charge a fee for paying online through their website or app, by phone, or by automatic payment. The only fees are late fees if you miss your due date, and interest if you carry a balance past your statement closing date.