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Sam’s Savings (the basic membership) costs a year and Sam’s Plus has 0 annual membership fee.Per Sam Club’s website, the card carries a variable annual percentage rate (APR) of 16.65% or 24.65%.That interest rate is typical of many retail credit cards, but it’s high if you’re thinking of using the card to finance purchases.Generally speaking, store-only credit cards tend to have lower credit score standards than co-branded cards that can be used anywhere that accepts the credit card network (Visa, Mastercard, American Express or Discover).Neither Synchrony nor Sam’s Club’s website specifies credit qualifications for the Sam’s Club consumer credit cards, and Synchrony did not respond to phone or email inquiries from

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