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Regular Contributor
s_rob7488
Posts: 159
Registered: ‎03-25-2012
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Discover sams membership

Just got a Sams club by me and wanted to know if it made sense to get the discover version over the regular membership
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webhopper
Posts: 7,225
Registered: ‎09-16-2011
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Re: Discover sams membership

The Sam's club discover membership looked very tempting to me the last time I was at Sam's. Unfortunately only you can decide if the new tradeline will be worth it in the long run. The normal discover more card is accepted at Sam's which is why I didn't.see the point in me applying. One benefit of the Sam's club discover is that you get a free tu fico every month. Not sure if this interests you at all.@

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
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jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
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Re: Discover sams membership

I thought only the walmart got the tu fico and not the Sams?

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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webhopper
Posts: 7,225
Registered: ‎09-16-2011
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Re: Discover sams membership


jordanmedical wrote:

I thought only the walmart got the tu fico and not the Sams?


I thought it was both... In that case, It may make sense for the OP to get the Walmart Discover instead. I think both of them earn the same rewards when shopping at Sams Club.  I still think that the regular Discover Card is a better choice for the OP, but the TU score may make it worthwhile, it depends on how often the OP wants a score update.


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Regular Contributor
s_rob7488
Posts: 159
Registered: ‎03-25-2012
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Re: Discover sams membership

I guess the main thing was that I don't have any membership and wanted to know if getting the sams discover was going to be better than regular sams membership

Senior Contributor
jsucool76
Posts: 4,017
Registered: ‎12-11-2011
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Re: Discover sams membership

Unless it has any other benefits you're probably better off with the regular membership and a regular credit card :smileytongue: or if you want the free fico tu08 the walmart card (I don't think the sam's gets the free TU score. )

;
Epic Contributor
Creditaddict
Posts: 22,093
Registered: ‎10-23-2007
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Re: Discover sams membership


s_rob7488 wrote:
Just got a Sams club by me and wanted to know if it made sense to get the discover version over the regular membership

This comes down to if you have a better rewards program on a MasterCard or if you are using Debit and getting points that way....

I believe if you applying for Sams Discover, just like with Walmart, if they don't approve for the Discover they will consider you for just store which I don't think gets rewards but does get 0% offers.

I like Sams Card better then Walmart, What I have seen is they give WAY higher CL's and CLI's

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
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Established Contributor
jordanmedical
Posts: 1,011
Registered: ‎04-08-2012
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Re: Discover sams membership

 ACCOUNT BENEFITS
A personal credit account for all your Sam's Club purchases:

Zero fraud liability - protected with your photo
In-Club cash access up to $60
Special financing promotions
One-card Convenience - your Membership card is your credit card
A personal credit account that rewards you with cash back:


All the Benefits of Advantage
   Credit plus...
Earn up to 2% cash back*
Use everywhere Discover is accepted Use everywhere Discover is accepted
In-Club cash access up to $100

Regular vs Discover

 

*No mention of TU Score like Walmart Card

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

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Frequent Contributor
scientifics
Posts: 411
Registered: ‎05-01-2010
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Re: Discover sams membership

If you need a new card, I would definitey recommend the regular Discover More. Now that their 5% categories are $1500 (you also get up to 1% on all other purchases), it's a way better deal than the "up to 2%" on the Sam's Discover.

Established Contributor
bamagirl1
Posts: 1,045
Registered: ‎12-30-2007
0

Re: Discover sams membership

I have the Sam's Discover and at this point you don't get a free Fico TU score..One thing to me though is that they are better with CLI (since it's a GE card, not a true Discover) than a regular Discover..My CL on my Sams Discover is $10,000 where as my regular Discover well that's another story..LOL

 

 

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??

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