The Sam’s Club Credit Card and Sam’s Club Mastercard are issued by Synchrony Bank. Cardholders can pay the bill online through a secure portal that supports both registered accounts and one-time guest payments, by phone, in person at any staffed Sam’s Club or Walmart register, or by mail. Online and phone payments typically post the same day.
To manage your account, make a payment, or use the guest option, visit the official Synchrony-powered portal at https://samsclub.syf.com. For general information about the card, benefits, and a direct link to manage your credit account, go to the Sam’s Club Credit page at https://www.samsclub.com/credit.
- https://samsclub.syf.com — Official account management portal where you can log in, register, or select Pay as Guest to make a one-time payment without creating an account.
- https://www.samsclub.com/credit — Official Sam’s Club page for the credit card with links to manage your account, apply, and view current benefits.
One-Time Guest Payment Online
You can make a one-time payment without logging in or registering. On the portal at https://samsclub.syf.com, select the Pay as Guest option. You will typically need your full 16-digit card number and billing ZIP code (or other details requested on screen). Choose the amount (minimum due, statement balance, or a custom amount) and select a payment method such as a linked bank account or debit card.
Bank account (ACH) payments are free. Debit card payments may incur a small processing fee depending on the method. After submission you receive a confirmation. Payments generally post to the account the same day. For ongoing features such as AutoPay, paperless statements, payment history, alerts, and credit line requests, create a full account on the same portal using the card details for verification.
Pay by Phone
Call the number on the back of your card or the number that matches your card type:
- Consumer Credit (private-label, accounts beginning with 7714): 800-964-1917
- Business Credit (accounts beginning with 7715): 800-203-5764
- Consumer Mastercard (accounts beginning with 5213): 866-220-0254 (available 24/7)
- Business Mastercard (accounts beginning with 5560): 866-220-2760 (available 24/7)
- Direct Credit (accounts beginning with 040): 800-362-6196
Have your account or card number ready. Follow the automated prompts or speak with a representative. Phone payments generally post the same day. Note that phone payment is not available for Direct Accounts. Hours for consumer and business credit lines are typically Monday–Saturday 9 a.m.–10:30 p.m. EST and Sunday 9 a.m.–9 p.m. EST; Mastercard lines are 24/7.
Pay In Person at the Club
You can pay your Sam’s Club credit balance at any staffed register in a Sam’s Club or Walmart location. Bring your card or account number and a form of payment accepted at the register (cash, debit card, or other accepted methods). In-person payments with cash or debit card make available credit available immediately. This option is not available for Direct Credit accounts, which must be paid by mail.
Pay by Mail
Mail a check or money order (do not send cash) payable to Sam’s Club Credit Card. Include the payment stub from your statement or clearly write your full account number on the check. The exact remittance address appears on the payment stub of your billing statement. A commonly referenced address for consumer accounts is:
Sam’s Club Credit Card
P.O. Box 965004
Orlando, FL 32896-5004
Always confirm the address on your current statement before mailing. Allow 7–14 days for check processing and for available credit to be restored. Mail early enough for the payment to arrive by the due date.
AutoPay and Account Management
Log in or register at https://samsclub.syf.com to set up AutoPay so payments are deducted automatically from a linked bank account on the due date. You can also go paperless, set payment and balance alerts, view statements and transaction history, update contact information, and request a credit line increase. The same features are available through the Sam’s Club mobile app under the credit account section.
Contact and Support
Primary billing and payment support is handled by Synchrony Bank. Use the phone numbers listed above according to your card type. For membership or club-related questions (not credit card billing), contact Sam’s Club Member Services at 888-746-7726. Always use official channels and the portal at samsclub.syf.com to avoid scams.
Frequently Asked Questions
How do I make a one-time Sam’s Club credit payment without logging in?
Visit https://samsclub.syf.com and select Pay as Guest. Enter your card number and billing ZIP code, then complete the payment. Bank account payments are free; some debit card payments may have a fee.
What phone number do I call to pay my Sam’s Club credit bill?
Call the number on the back of your card. Common numbers are 800-964-1917 (consumer credit), 866-220-0254 (consumer Mastercard), 800-203-5764 (business credit), and 866-220-2760 (business Mastercard).
Can I pay my Sam’s Club credit card in the store?
Yes. Pay at any staffed register in a Sam’s Club or Walmart location (not available for Direct Credit accounts). Cash or debit card payments restore available credit immediately.
Where do I mail my Sam’s Club credit payment?
Use the address printed on the payment stub of your statement. A commonly listed address is Sam’s Club Credit Card, P.O. Box 965004, Orlando, FL 32896-5004. Include your account number and allow 7–14 days for processing.
Does Sam’s Club credit offer AutoPay?
Yes. Log in or register at https://samsclub.syf.com and enroll in AutoPay to have payments automatically deducted from a linked bank account each cycle.
How quickly do payments post?
Online and phone payments generally post the same day. In-person cash or debit payments make credit available immediately. Mail payments by check take 7–14 days to process and free up available credit.
