What the Good Sam's Club Credit Card is and who issues it

The Good Sam's Club Credit Card is a co-branded card issued by Synchrony Bank in partnership with Good Sam Enterprises, the membership organization for RV owners and outdoor enthusiasts. The card is designed primarily for members who shop at Good Sam's Club locations and want to earn rewards on their purchases.

Good Sam Enterprises operates a network of RV parks, travel services, and retail locations. The credit card ties directly to purchases made at these locations and at affiliated merchants. Synchrony Bank handles the account management, billing, and customer service on the backend.

This is a store card, not a general-purpose card. That means you can use it at Good Sam's Club locations and partner retailers, but it has limited use outside that ecosystem compared to a Visa or Mastercard.

Key Takeaways

  • The Good Sam's Club Credit Card is issued by Synchrony Bank and earns rewards on purchases at Good Sam's Club locations and affiliated merchants.
  • You must be a Good Sam's Club member to open the card, and membership fees vary depending on the membership tier you choose.
  • The card offers cash back or points on may have access to purchases, but the exact rewards structure depends on your membership level and the merchant category.
  • Like most store cards, this card has a higher interest rate than many general-purpose credit cards, so carrying a balance can become expensive quickly.
  • You can manage your account online through Synchrony's portal or by phone, and statements arrive monthly.

Rewards structure and what you earn on purchases

The rewards you earn depend on your Good Sam's Club membership tier and where you use the card. Members typically earn cash back or points on purchases at Good Sam's Club locations, RV parks within the Good Sam network, and certain partner retailers. The percentage varies—some tiers earn a flat rate on all purchases, while others earn higher rates in specific categories like fuel or lodging.

Rewards are usually posted to your account monthly and can be redeemed as statement credits, cash back, or applied toward future purchases. Some members can also redeem points for travel discounts or merchandise through the Good Sam catalog. Check your cardholder agreement or log into your account to see the exact redemption options available to your membership level.

The card does not earn rewards on purchases outside the Good Sam network. If you use it at other retailers, you typically earn no cash back or points, which is a key difference from general-purpose cards.

Interest rates, fees, and the cost of carrying a balance

Synchrony Bank sets the interest rate (APR) for the Good Sam's Club Credit Card based on your creditworthiness. Rates typically range from the mid-teens to the mid-20s percent, which is higher than many standard credit cards. If you carry a balance month to month, interest charges will accumulate quickly and can outpace any rewards you earn.

The card itself has no annual fee if you are already a Good Sam's Club member—the membership fee is separate and covers your club access, not the card. However, Good Sam's Club membership does have an annual cost that varies by tier. Standard memberships typically run $50 to $100 per year, while premium tiers cost more and include additional benefits like roadside information and discounts on services.

Late payment fees, returned payment fees, and other standard credit card penalties explore. The best strategy is to pay your full balance each month to avoid interest charges and maximize the value of your rewards.

How to open an account and what you need

To open a Good Sam's Club Credit Card account, you must first be a Good Sam's Club member. If you are not already a member, you will need to join the club before you can open the card. You can join online through the Good Sam website or at a Good Sam location.

Once you are a member, you can open the credit card through the Good Sam website, by phone, or in person at a Good Sam location. You will need to provide your Social Security number, date of birth, current address, and income information. Synchrony Bank will pull your credit report to make a decision.

The approval process typically takes a few minutes to a few days. If you are approved, your card will arrive by mail within 7 to 10 business days. You can set up it online or by phone once it arrives, and you can begin using it when ready at Good Sam locations.

Managing your account online and by phone

Synchrony Bank operates the online portal where you can view your balance, make payments, set up automatic payments, and read statements. You can log in at the Synchrony website using your account number and password. The portal also shows your available credit, recent transactions, and rewards balance.

If you prefer to handle things by phone, Synchrony's customer service team is available during business hours. You can call the number on the back of your card to make a payment, ask about your balance, report a lost or stolen card, or dispute a transaction.

Statements arrive monthly by mail or email, depending on your preference. You can change your statement delivery method in your online account settings. Payments are due by the date shown on your statement, and you can pay online, by phone, by mail, or through automatic bank transfer.

When the card makes sense and when it does not

The Good Sam's Club Credit Card is most useful if you are a frequent Good Sam's Club member who shops regularly at Good Sam locations, stays at Good Sam RV parks, or uses other affiliated services. If you spend $1,000 or more per year at these merchants, the rewards can offset the membership cost and provide real value.

The card is less useful if you rarely visit Good Sam locations or if you prefer a general-purpose card that earns rewards everywhere. Because the APR is relatively high and the card only works within the Good Sam ecosystem, carrying a balance or using it outside that network erases the benefit quickly.

If you are considering this card, compare the rewards rate and membership cost against what you actually spend at Good Sam merchants in a year. If that number is small, a standard cash-back card may serve you better.

Frequently Asked Questions

Do I need to be a Good Sam's Club member to open the card?

Yes. You must have an active Good Sam's Club membership to open the credit card. If you are not a member, you will need to join the club first. Membership is separate from the card and has its own annual fee.

Can I use this card outside of Good Sam locations?

You can use the card at affiliated partner merchants, but it is not a Visa or Mastercard, so it will not work at most other retailers. Using it outside the Good Sam network means you earn no rewards. A general-purpose credit card is better if you need broad acceptance.

What happens if I do not pay my balance in full?

Interest charges will accrue on the unpaid balance at your card's APR, which is typically in the teens to low 20s. Carrying a balance can quickly erase the value of any rewards you earn. Paying in full each month is the best way to avoid interest and maximize your card's benefit.

How do I redeem my rewards?

Rewards are usually redeemed as statement credits, cash back, or applied to your next purchase. Some members can also redeem points for travel discounts or merchandise. Log into your Synchrony account or call customer service to see your redemption options.

What should I do if my card is lost or stolen?

Call the number on the back of your card or contact Synchrony Bank when ready to report it. Synchrony will cancel the card and issue a replacement. You are not responsible for fraudulent charges reported promptly, but you should act as soon as you notice the card is missing.