How to Pay Your Sam’s Club Credit Card Bill by Phone

Sam’s Club offers a variety of credit card options to help members finance large purchases and earn rewards. While online bill pay is typically the easiest route, some members may prefer to pay their Sam’s Club credit card over the phone. Here’s what you need to know about paying your Sam’s Club credit card bill by phone.

Sam’s Club Credit Card Details

There are three main credit card options for Sam’s Club members:

• Sam’s Club Mastercard® – The Sam’s Club core credit card that can be used for purchases club-wide and anywhere Mastercard is accepted. Earns 5% back on fuel, 3% back at restaurants and travel, and 1% back on other purchases.

• Sam’s Club Credit Card – For in-club purchases only, earns 5% back on fuel, 3% back on dining and travel, and 1% back instore.

• Sam’s Club Plus Credit Line – Revolving line of credit for major purchases 6-24 month special financing offers

All of the Sam’s Club credit cards are issued by Synchrony Bank. When you want to pay your bill over the phone you will need to call Synchrony Bank’s customer service line.

How to Pay Your Sam’s Club Credit Card Bill by Phone

You have two options for paying your Sam’s Club credit card bill by phone:

1. Call the Number on the Back of Your Card

All Sam’s Club credit cards will have a customer service phone number printed directly on the back. Typically this will be an 800 number specifically for your card. When you call, you will need to provide your full account number and authentication details.

After verifying your identity, the Synchrony Bank agent can take a one-time payment or set up recurring payments to be automatically charged to your bank account or another credit card.

2. Call Synchrony Bank’s General Customer Service Line

You can also pay your Sam’s Club credit card bill by calling Synchrony Bank’s general customer service line at:

1-877-295-2080

The automated system will prompt you to enter your Sam’s Club credit card account number and PIN to access your account. Or you can speak to a live agent who will ask you security questions to verify your identity.

Once connected to your account, tell the agent you need to make a payment. They will walk you through taking a one-time payment or recurring payment over the phone.

What Information is Needed to Pay by Phone

Whether you call the number on your card or the general customer service line, make sure to have the following payment information ready:

• Sam’s Club Credit Card Account Number
• Card Expiration Date
• Security PIN or Code Associated with Card
• Payment Amount
• Payment Method – Checking Account or Other Credit Card
• Routing and Account Number if Paying from Bank Account

Having this information readily available will allow the phone payment process to go quickly and smoothly.

Can I Set Up Recurring Payments?

Yes, you can arrange to have your Sam’s Club credit card bill paid automatically each month over the phone. The Synchrony Bank agent will set up a recurring payment to charge your authorized bank account or credit card monthly for the minimum amount due, statement balance, or other set dollar amount.

Setting up autopay can help you avoid missed payments and late fees. Just remember to notify Synchrony Bank anytime your billing preference or payment method changes.

Are There Fees for Paying by Phone?

No, Synchrony Bank does not charge any fees for paying your Sam’s Club credit card bill over the phone using automated or live agent assistance. It is a free payment option.

However, if you pay using another credit card, that card may charge a cash advance transaction fee. Check with the issuing bank for details on cash advance fees to avoid surprises. Paying directly from your bank account has no fees.

What Are the Payment Deadlines?

The payment due date for your Sam’s Club credit card will be listed on your monthly statement and can also be found by logging into your Synchrony Bank account online or using the mobile app.

Payments received after the due date will incur a late fee, typically around $28 for Sam’s Club credit cards. Mailed payments must be received by the due date, so allow 5-7 business days for delivery to avoid late fees.

Payments made by phone are credited immediately, so you can pay even on your due date by calling customer service. Set a reminder to make your payment a week ahead to have a cushion.

Can I Pay Online or Use the Mobile App?

In addition to phone payments, Synchrony Bank offers the ability to pay your Sam’s Club credit card online or via their mobile app. You can:

• Pay as a guest using your Sam’s Club credit card number and billing details

• Create an online account to save your information for quicker future payments

• Enroll in autopay through the online account portal or mobile app

• View payment history and track rewards balances

• Receive paperless eStatements

Many members prefer the convenience of online and mobile payments over calling in. But having phone payment as an option allows flexibility when needed.

What Happens If I Miss My Payment?

If your minimum payment is more than 30 days late, Synchrony Bank may report the delinquency to the credit bureaus, resulting in a negative impact to your credit score. The account may be turned over to a collection agency if unpaid balances become severely past due.

Avoid late fees, credit damage, and collections by promptly paying at least the minimum amount due by the payment deadline each month. Notify Synchrony Bank immediately if you are ever unable to make a payment and request alternative arrangements.

Get Sam’s Club Credit Card Account Help

Don’t hesitate to call Synchrony Bank’s customer service line if you have any questions or issues related to your Sam’s Club credit accounts. Agents are available 24/7 to:

• Update your contact information or billing preference

• Provide payment extensions if needed

• Set up payment arrangements for past due amounts

• Assist with rewards redemptions, balance transfers, credit limit changes, etc.

No matter what kind of help you need, Synchrony Bank’s friendly and knowledgeable staff can assist Sam’s Club cardholders. Don’t wait on hold for an agent, easily pay your Sam’s Club credit card anytime by phone!