Maximize Rewards & Avoid Fees – Step-by-Step Guide
💰 Quick Summary: Earn $50+/Year with This Trick
✅ 2% Cashback via PayPal’s Bill Pay + Cashback Mastercard
✅ No Fees (unlike Amex/Chase workarounds)
✅ Works Even Without a Sam’s Club Membership
⚠️ Update July 2024: Confirmed working with Synchrony Sam’s Mastercard.
📱 Step-by-Step Payment Guide
1. Link Your Sam’s Credit Card to PayPal
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Log in to PayPal Bill Pay
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Search for “Sams Club Credit Card”
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Enter your 16-digit card number and Synchrony billing ZIP
🔹 Pro Tip: Use a PayPal Cashback Mastercard (2% back on bill payments).
2. Set Up Automatic Payments
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Frequency: Monthly (avoid late fees)
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Amount: “Statement balance” (to dodge interest)
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Funding Source: PayPal Balance (instant) or linked debit card
📌 Warning: Credit card funding blocks cashback (use debit/bank).
3. Stack Extra Rewards
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+1%: Link PayPal to Sam’s Club Member Rewards (if you’re a Plus member)
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+5%: Use a rotating category card (Chase Freedom Flex – PayPal quarters)
💳 Why This Beats Direct Payments?
| Method | Cashback | Speed | Fees |
|---|---|---|---|
| PayPal Bill Pay | 2% | 1-2 days | $0 |
| Synchrony AutoPay | 0% | Instant | $0 |
| Bank Bill Pay | 0% | 3-5 days | $0 |
| Money Order | 0% | 7+ days | $1.20 |
💡 Best For: Earning 50–50–100/year on existing Sam’s Club spending.
🚨 3 Common Mistakes to Avoid
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Using a credit card as PayPal’s funding source → Loses cashback + may code as cash advance
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Missing payment deadlines → PayPal takes 1-2 days to process
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Not checking Synchrony’s payment posting → Always verify in Sam’s Club Credit Card Login
📊 Real 2024 Cashback Examples
| Monthly Spend | Annual Cashback |
|---|---|
| $500 | $120 |
| $1,000 | $240 |
| $2,000 | $480 |
🔹 *Assumes 2% PayPal + 1% Sam’s Club rewards.*
❓ FAQ: PayPal Sam’s Club Payments
Q: Does PayPal charge fees for Sam’s Club payments?
➡️ No – Bill Pay is always free for credit cards.
Q: Can I use this for Walmart Capital One cards?
➡️ No – Only works with Synchrony-issued Sam’s Club cards.
Q: What’s the fastest funding method?
➡️ PayPal Balance (instant) or debit card (1 business day).