My Husband has had credit card from Sam's for many years. We used it when we traveled. Easier to use and not carry a lot cash. The last few months we started having problems with the card. We might get gas one place and use the card somewhere else and the card would be denied. The bank is Synchrony saying we has some suspicious activity. Which means they have shut that card off for so called fraud on our on activity. So we became fed up. We throw the card in the shredder. Beware. The MasterCard through Synchrony is nightmare. Stay away. We took out a membership with Costco. We spent thousands dollars at Sam's card. Always paid it in full every month. So long Sam's, shove the card where the sun don't shine.