You’re standing in the checkout line at Sam’s Club, flat of 40 water bottles in the cart, and suddenly you remember—your bill is due. It happens to the best of us. Managing a store card or a Mastercard shouldn’t feel like a part-time job, but honestly, the "Sams make a payment" dance can get a little confusing if you don't know which portal belongs to which card.
There are two main cards. You've got the Sam’s Club Store Card (only works at Sam's and Walmart) and the Sam’s Club Mastercard (works anywhere). Both are issued by Synchrony Bank. If you're trying to pay your bill, the "where" and "how" matter more than you'd think because missing a deadline by even five minutes can trigger a late fee that's basically the cost of a rotisserie chicken. Or six of them.
The Quickest Way to Handle a Sams Make a Payment
Most people just want to get it done. Fast. If you have your card in your hand, the Pay as Guest feature on the Synchrony website is your best friend. You don't even need to remember your password. You just put in your card number, the last four digits of your Social Security number, and your zip code.
It's a lifesaver. No login. No security questions about your first pet's middle name.
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Mobile App Magic
The Sam’s Club app isn't just for Scan & Go. If you tap the "Account" or "More" icon at the bottom, there’s a dedicated credit section. You can link your bank account once and then just tap to pay whenever the statement hits.
It’s pretty slick.
Paying by Phone or Mail (The Old School Route)
Sometimes the website is glitchy, or maybe you just prefer talking to a human. Or a robot. Synchrony has separate lines for the two cards, which is where people often get tripped up.
- For the Store Card: Call (800) 964-1917.
- For the Mastercard: Call (866) 220-0254.
If you’re the type who still uses a checkbook, you can mail your payment. Just be warned: snail mail is slower than ever in 2026. Give it at least 7 to 10 business days. You don’t want to be at the mercy of the post office when a $40 late fee is on the line.
Mailing Addresses:
For the store card, send it to:
Sam's Club Store Credit Card
P.O. Box 530942
Atlanta, GA 30353-0942
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For the Mastercard, it goes here:
Sam's Club Mastercard
P.O. Box 960013
Orlando, FL 32896-0013
Can You Still Pay at the Register?
Yes, sort of. You can't just hand a check to any cashier at the front end while buying your bulk snacks. You generally need to head over to the Member Services desk.
You can also pay at Walmart. Since they are sister companies, Walmart’s MoneyCenter or customer service desk can usually process your Sam's Club credit payment. Just bring your physical card and a valid ID. They can't always look it up by your Social Security number alone, so don't leave the plastic at home.
Avoid the Late Fee Trap
The grace period is usually 23 days. If you miss that window, Synchrony doesn't play around. In 2026, late fees can go up to $40 if you’ve been late before. Even a first-time offense usually costs around $29 or $30.
That’s a lot of money to set on fire.
Pro tip: Set up Autopay for at least the "Minimum Payment Due." This acts as a safety net. Even if you forget to log in and pay the full balance, the minimum payment clears, and your credit score stays safe. You can always go in manually and pay the rest later.
What About Business Accounts?
If you're running a business account, the login portal is different. It’s the "Sam’s Club Business Credit Center." Don't try to use the consumer login; it'll just give you an error message that makes you want to throw your laptop.
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Business owners can manage multiple cards under one umbrella, but the "Guest Pay" feature is much more restricted for commercial accounts due to higher security protocols.
Actionable Next Steps for You
- Download the Sam's Club App: If you don't have it, get it. It consolidates your membership, your shopping, and your credit card management in one spot.
- Verify Your Card Type: Check the logo. If it has a Mastercard logo, use the (866) number. If it only says Sam’s Club, use the (800) number.
- Set Up "Pay as Guest" Bookmarks: Save the Synchrony Guest Pay link on your phone's browser for those last-minute "I forgot to pay" moments.
- Confirm the Cutoff Time: Remember that online payments must usually be submitted by 11:59 p.m. ET to be credited for that same day. If you’re on the West Coast, you actually have until 8:59 p.m. PT. Don't let the time zone difference catch you off guard.