@UncleB wrote:
I paid for a Sam's Club membership online, and immediately applied for my Sam's Mastercard, which was approved. A few days later, I went to a local club to get my picture taken, and was given a temporary card to use until my Mastercard arrived. I was told I could use the temp card in that location (only) to make a purchase to my new Mastercard account as well, but it wouln't work for credit anywhere else.
When I went to check out, the cashier swiped my card, and immediately told me I was "pre-approved' for a Sam's Club credit account. I told her I already had the Mastercard, and she seemed a bit confused but continued to ring up my sale. At the end I was given the option to use my existing Mastercard account for the purchase (I used my Discover instead) but the register was 'aware' my membership had a credit account attached. In my subsequent trips back to the club I present my actual Mastercard as my membership card, and they haven't mentioned the PLCC since.
My question is, is it possible to have both the Sam's Club Mastercard and the Sam's Club PLCC, and if so, when is it advantageous to do so?
I dont think there are any advantages. They both have no fee cash access, although the MC is $100 a day and PLCC is $60 I believe. I guess you could say that with the MC you could shop ONLINE at walmart vs only in store at walmart.
I would like to believe if someone was eager enough to apply instead of waiting for an upgrade that they could combine the accounts. Based on how liberal they are with credit limit increases I would choose to keep them separate for a while and get a few CLI's on each before combining.
The funny thing is for strict sams purchases at max value would be using a plus membership and the Double Cash card or discover card while enrolled in double cash back (for 4% total vs just 3% with plus+mc or 2% with reg+mc). I just want the card because Synchrony has been good to me and I don't have a 3% dining/travel or 5% gas card.
I kinda thought that BOTH the plus membership and the Mastercard issue their cash back in the form of a check that must be cashed in club. But for the plus membership the money is loaded onto the membership card.
I just wish they would do more preselected offers. I would totally endure/incur a HP for the app if I knew it was guaranteed. I'm sure some of that boils down to everyone wanting what they cant have!
I will have less use for a travel card now that I have Amtrak WMC. I will earn unlimited 2 AGR points per dollar spent on all travel. And since each point is worth 2.625 cents thats a 5% return for me.
Interesting thought that ebates MC and sams MC both issue their cash back months later and are issued by synchrony and are hard to get approved for!
