* Offer subject to credit approval. Offer valid now through January 15, 2020. To qualify, you must (i) open either a Sam's Club® Consumer Mastercard® or Sam's Club Personal Credit account on SamsClub.com and (ii) make a purchase of $45 or more the same day you open your account via SamsClub.com (excluding cash advances, gift card sales, alcohol, tobacco and pharmacy purchases). A $45 credit to the account will appear within 90 days after the qualifying purchase is made on SamsClub.com. Offer is valid for newly opened accounts only and each account is eligible for only one $45 offer. Offer is not valid on Sam's Club Business Mastercard, Sam's Club Business Credit or Direct Accounts.

** Sam's Club® Mastercard® cardholders are eligible to earn cash back rewards on purchases made with their Sam's Club® Mastercard® account. Rewards apply to net card purchases (minus returns). Rewards percentages depend on the type of purchase made (5% for gas purchases at U.S. and Puerto Rico Sam's Club and Walmart fuel stations, and at Gas Stations located in the U.S. and Puerto Rico (but excluding purchases at fuel stations at wholesale clubs (other than Sam's Club), certain supercenters, and supermarkets), for up to the first $6,000 in gas purchases each year and 1% thereafter; 3% for dining purchases (excluding purchases at wholesale clubs other than Sam's Club) and 1% for all other Eligible Purchases). Maximum of $5,000 in Cash Back rewards can be earned in a calendar year. Cash back rewards are issued starting each February for the Cash Back earned during the previous calendar year. Cash back rewards are forfeited if the Sam's Club® Mastercard® account is not in good standing, is more than two months delinquent on the minimum payment, if the Sam's Club Membership terminates or lapses, or if the Cash Back earned in a calendar year is less than $5.00. Cash back rewards will be automatically loaded onto your Sam's Club membership and may be redeemed only at a Sam's Club location. See the "How to Earn Cash Back with your Sam's Club® Mastercard®" rewards program for details. The Sam's Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

† For new accounts: Variable Purchase APR is 17.15% or 25.15% Minimum interest charge is $2.00 for both cards. All APRs are accurate as of January 1, 2019 and will vary with the market based on the Prime Rate (as defined in your credit agreement)

₁Cash access is a cash advance on your account available at Sam's Club-owned registers in Sam's Club locations and Walmart-owned registers in Walmart stores. Cash advances will be treated like purchases on your credit account. Cash can be taken in $20 increments up to $100 for Sam's Club Credit cardholders. No more than one cash advance may be obtained on your account each day. Subject to credit approval.