how to get pre approved for a sam's club credit card

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Posted on August 29, 2020

For those unaware, the company behind the card – Sam’s Club, is a membership-based warehouse club that allows you to buy products in bulk at cost-effective prices. We hope to provide clear, unbiased facts so people can make up their own mind about important financial decisions.Content on Moneycheck.com is provided for general informational purposes, and shouldn't be seen as an offer to buy or sell or a solicitation of an offer to buy or sell any security, product, service or investment. The exception is when you … However, if Sam’s Club is unable to verify the information you provide with the external sources they use, then it can take up to 7 days to receive a decision.Once a decision has been made, you should receive your card within a week.In summary, although there’s much to like about Sam’s Club Credit MasterCard, it is important to recognize that the card should only be applied for with the sole purpose of maximizing your cashback rewards.In fact, at a tempting 5% cash back rate, some would argue that the card is best used exclusively for your gas purchases.The reason for this is that 3% cashback on travel and restaurant purchases is much the same as other cashback-specific cards out there. In the case of Sam’s Club Credit MasterCard, you will be required to have a credit score of ‘Fair’. Of course, if you pay your balance at the end of each month, the interest rate is effectively irrelevant.

In doing so, you’ll receive a small percentage of money back when making everyday purchases.One of the most well-known cashback-based cards out there at the moment is that of Sam’s Club Credit MasterCard.If you’re tempted to get a card of your own, be sure to read our comprehensive review first. If you are unable to do this, then you will need to make your repayments manually via your online account portal.Furthermore, there are also penalties concerning your cashback rewards if your account is not in good standing. Otherwise, not only will the interest rate cripple any of the cashback benefits that you have accumulated, but you also face the risk of a $38 late payment fee.As a final note, you should also remember that the cashback rewards you earn throughout the year can only be used at Sam’s Club stores. As such, you’ll be able to use them in February, based on the previous year’s cashback.
These reward points can then be used to make purchases at any US or Puerto Rico-based Sam’s Club stores.If you are going to apply for a credit card with the sole purpose of maximizing reward points, it is important to first assess how much you are likely to get, as well as which products and services are eligible.First and foremost, the overarching selling point to Sam’s Club Credit MasterCard is that you get a whopping 5% cashback when purchasing gas. The opinions expressed on this Site do not constitute investment advice and independent financial advice should be sought where appropriate. In fact, it should only take a few minutes if using the online application portal.As is standard with any online credit card application, you will need to provide some personal information. You need good or excellent credit to be approved for either card. They operate between 7AM and 11PM (CST) Monday to Saturday, and then 10AM to 8PM (CST) on Sundays.If you do need to contact customer support, the easiest way to do this is via the platform’s live chat facility. For example, over at The Sam’s Club Credit MasterCard application process is super easy. At the time of writing, the platform offers you $45 in statement credit when you first sign-up, which essentially means the first year of membership is free.On a separate note, the points that you accumulate are only available to redeem once per year. With a keen passion for research, he currently writes for a variety of publications within the Financial and Cryptocurrency industries. As with any other credit card product, consumers are required to meet certain conditions before being approved.

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