Purchase APR
33.49–33.74%
Annual fee
None
Foreign fee
3%
Top-25 issuer620–719720+Other
Carrying $3k for a year ≈ $1,008.60
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52
Sam's World Elite Mastercard
Top-25 issuerNationalVariable · PrimeCredit score 720+
Purchase APR
20.40–28.65%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
28.90%
620–719
28.90%
720+
28.40%
Lowest offered20.40%
Median24.53%
Highest offered28.65%
Cash advance APR
No score
—
≤619
31.90%
620–719
31.90%
720+
31.40%
Lowest offered25.40%
Median—
Highest offered31.65%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance fee3% (min $5)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$2
Balance computationAverage daily balance including new purchases
Additional fees
Debt Cancellation$1.66
Returned Payment Fee$30
Rewards, benefits and features
Rewards
- Cashback rewards
Services
- Access to Free Credit Scores
- Debt cancellation coverage
- Discounts on purchases of goods and services (non travel related)
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-964-1917
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 24.53%$735.90
Annual / periodic fees$0
Total yearly cost$735.90
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
212 documents filed by Synchrony Financial in the 2026 Q1 archive.
- ABT Credit Card Account Agreement and Pricing Addendum53 KB
- Adairs Credit Card Account Agreement and Pricing Addendum53 KB
- Adorama Credit Card Account Agreement and Pricing Addendum53 KB
- Amazon_Secured_Card_and_Prime_Secured_Card_Account_Agreement_and_Pricing_Addendum_FINAL70 KB
- Amazon.com_Store_Card_Account_Agreement_and_Pricing_Addendum_FINAL58 KB
- America's Tire Credit Card Agreement and Pricing Addendum53 KB
More from this issuer
Purchase APR
20.49–28.49%
Annual fee
$99
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $833.70 incl. $99 fee
Purchase APR
29.64%
Annual fee
None
Foreign fee
3%
0% purchases · 6 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $889.20
Purchase APR
20.39–28.64%
Annual fee
$89
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $824.60 incl. $89 fee