Does Sam’s Club Have Layaway? (All You Need To Know)

Layaway is a reassuring way for a customer to put an item on hold while making the necessary payments, making it perfect for customers on a budget.

With all the top-tier products Sam’s Club offers its members, you may be wondering whether or not Sam’s Club has a layaway program in place. Here is what I discovered!

Does Sam’s Club Have Layaway?

Sam’s Club does not offer a layaway program for its members. However, Sam’s Club does allow its members to make smaller payment increments through a line of credit with their Sam’s Club Credit Card or MasterCard. Additionally, Sam’s Club accepts a wide array of payment options at the convenience of its members.

To learn what companies accept layaway payment options and the details of Sam’s Club credit cards, keep on reading!

Does Sam’s Club Have A Credit Card?

Although Sam’s Club does not offer a layaway program to their members, they do offer a couple of different credit cards instead.

The differing credit card benefits depend on the type of membership plan you have at Sam’s Club.

The two types of credit cards provided by Sam’s Club are the Sam’s Club Credit Card and the Sam’s Club MasterCard. Some of the benefits offered by the Sam’s Club Credit Card include:

  • Accepted at Sam’s Club and Walmart
  • No annual fees
  • Doubles as a membership card

Compared to the Sam’s Club Credit Card, the Sam’s Club MasterCard has several additional benefits, including:

  • 5% cash back on gas
  • 1-3% cash back on Sam’s Club purchases
  • 3% cash back on dining and takeout
  • 1% cash back on other purchases

So, if you need to work out a payment plan for purchases on larger items from Sam’s Club, like washing machines or a refrigerator, applying for a Sam’s Club line of credit is a great option!

Not only will you be able to pay for the item in smaller increments, but you will also receive cash back for your purchase!

Additionally, Sam’s Club Plus members receive a higher percentage of cash back on certain purchases than Club-level members.

How Do You Pay A Sam’s Club Credit Card Bill?

How Do You Pay A Sam’s Club Credit Card Bill?

Sam’s Club makes it easy for its members to make credit card payments, providing multiple payment methods.


One way to pay your Sam’s Club credit bill is through the company website. After logging in to your member account, select the ‘Manage Your Credit Account’ link to pay your bill.

The Sam’s Club website also allows you to take other actions pertaining to your credit card, including:

  • Update account information
  • View account activity
  • Request a credit line increase


You can also make your credit card payment over the phone by calling the number printed on the back of your card.

It is important to note that paying over the phone is not available for Direct Accounts, and the payments are usually posted to your account on the same day.


Sam’s Club’s credit card bills can also be paid at any Sam’s Club register, the Sam’s Club Membership Desk, or any Walmart store register.

You cannot pay business credit lines through Sam’s Club at the register. However, all consumer accounts can be paid at the register.

What Payment Methods Does Sam’s Club Accept?

Sam’s Club accepts plenty of different payment forms in-store and online to cater to its members. Some of the payment methods Sam’s Club takes include:

  • Cash
  • Check
  • Discover
  • American Express
  • MasterCard
  • Visa
  • Prepaid Credit Cards

With all the acceptable payment forms Sam’s Club accepts, there is sure to be one that is convenient for you!

What Stores Still Offer Layaway Programs?

A common misconception is that layaway programs are a thing of the past. However, there are still several popular stores out there that offer layaway.

So, even though you cannot buy products from Sam’s Club on layaway, you can find similar items from other stores. Some stores that still offer layaway programs include:

  • Burlington Coat Factory
  • Walmart
  • Big Lots
  • Marshalls
  • TJ Maxx

Most of these stores require a small down payment, a service fee, and a cancellation fee.

If you are looking to learn more, you can see our related posts on whether or not Best Buy have payment plans, if Best Buy accept layaway, and if Walmart accept layaway.


Unfortunately, Sam’s Club does not offer its members a layaway program to pay for items. However, Sam’s Club does offer a couple of different credit card options.

So, you can make small payments over time for larger purchases like appliances or outdoor patio sets. Depending on the membership plan, Sam’s Club’s credit cards provide different percentages of cash back.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of

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