What Is Sams Annex Charge On Your Bank Statement?

Sams Annex Charge

When transactions can be made with just a click, the importance of regularly monitoring your bank statements must be addressed. These statements are records of your financial history enabling you to manage finances and detect unauthorized transactions. 

One such charge that often puzzles customers is the ‘Sams Annex’ charge appearing on their bank statements. This charge can sometimes confuse you, especially when it appears unexpectedly in your statement. 

This guide will provide clarity and essential guidance on the ‘Sams Annex’ charge whether you are a Sams Club member, considering membership, or simply curious about this joint statement entry. Let’s embark on this journey of financial enlightenment together.

What is Sams Club?

Sam’s Club is a division of the retail giant Walmart, which stands out as a membership-only retail warehouse club. This unique business model is designed to offer customers high-quality products at restricted prices, made possible by the economies of scale achieved through bulk purchasing and membership fees. 

The idea is to cater to individual customers and small businesses, providing them with a range of products and services at discounted prices. The abbreviation for “WEB AUTHORIZED PMT SAMS CLUB MC” on your credit card statement could be “WAPSC-MC”.

  • WAPSC Stands for “Web Authorized Payment Sams Club.”
  • MC: Represents “MasterCard”

Types of Memberships: 

Sam’s Club offers two primary types of memberships:

Club Membership: 

This standard membership option is priced at an affordable annual fee. Club members enjoy access to all Sam’s Club locations worldwide and can use the warehouse’s discounted prices on various products.

  • Club membership for $50 a year

Plus Membership: 

This premium tier includes all the benefits of the Club membership, along with additional perks. Plus, members enjoy free shipping on most online items, cashback rewards on purchases, and early shopping hours, allowing them to shop before standard opening times. 

  • Plus, membership for $110 a year

Range of Products and Services

Sam’s Club offers a diverse range of products and services, catering to various needs and preferences. 

These include:

  • Groceries
  • Kitchen and Dining 
  • Appliances and Electronics
  • Home Improvement
  • Furniture and Home Décor 
  • Bedding and Bath
  • TVs and Home Theater
  • Beauty and Personal Care 
  • Health and Wellness 
  • Automotive Supplies and Services

What Does the Sams Annex Charge Represent?

Membership Fees: Primarily, the ‘Sam Annex’ charge relates to the annual membership fees for Sams Club. The charge could vary depending on your membership type (Club or Plus). It indicates that your membership fee has been billed to your credit card.

Renewal Fees: If you’re already a member, this charge could signify the automatic renewal of your membership. Sams Club memberships are set to auto-renew annually, which ensures uninterrupted access to their services and products.

Other Purchases: Occasionally, the Sams Annex charge might also represent other purchases made at Sams Club, either in-store or online, which have been billed to your credit card.

Auto-Renewal Policy of Sams Club Memberships

Sam’s Club employs an auto-renewal system to provide continuous service for its memberships. Here’s how it works:

  • The annual fee is automatically billed to the credit or debit card on file.
  • Members are typically notified about the upcoming renewal and the charge through their registered email or via the Sams Club app notifications.
  • Members can opt out of auto-renewal by adjusting their account settings or contacting Sams Club customer service.

Unexpected Appearance of the Sams Annex Charge

  • Many customers might be unaware that Sams Club memberships automatically renew. The renewal charge can surprise them if they haven’t forgotten about this feature.
  • If other family members or secondary cardholders can access your credit card, they might have used it for a Sams Club membership or purchases without your knowledge.
  • Occasionally, billing errors can occur, leading to charges that might seem unrecognized at first glance.

Possibility of Fraud or Unauthorized Use

If your credit card details have been compromised, fraudulent charges can be made by a third party, including unauthorized Sams Club memberships or purchases.

If your Sams Club account is hacked, the attacker may use your stored payment method to renew the membership or make purchases, resulting in charges you don’t recognize.

In more severe cases, someone might have used your identity to open a Sams Club membership, leading to charges under your name.

Steps to Take if You Didn’t Authorize the Charge

If you didn’t give the green light for that transaction and never signed up for auto-renewal, the immediate move is to ring up Sams Club pronto. Call them at +1 800 964 1917 and kindly ask for a refund. 

On top of that, it’s smart to get in touch with your credit card company and kick off a dispute. Proactively safeguarding your financial transactions and personal information can significantly reduce the risk of unexpected charges and unauthorized access. Here are some preventative measures to consider:

  • Make it a habit to review your bank and credit card statements regularly, ideally weekly or bi-weekly.
  • Many banks offer notification services for transactions. Set up alerts for transactions over a certain amount or online transactions so you’re immediately informed.
  • Know when your Sams Club membership is due for renewal. This date is usually a year from the start of your membership or the last renewal.
  • If you decide that auto-renewal isn’t for you, follow the steps provided by Sams Club to opt-out. Make sure to get a confirmation of this change.

Frequently Asked Questions

How do I dispute a Sams Club charge?

To dispute a Sam’s Club charge, contact your credit card issuer and Sam’s Club customer service to report and resolve the issue.

Can you get a refund at Sams?

Yes, Sam’s Club offers refunds for most products, subject to their return policy guidelines.

Does Sam’s do refunds?

Sam’s Club processes refunds for eligible products as per their return policy, typically issuing the refund to the original payment method.

How do I check my Sam’s cash?

To check your Sam’s Cash, log in to your Sam’s Club account online or via their app and navigate to the Sam’s Cash section under your account details.

How do I cancel my Sam’s Club membership?

Members have the flexibility to cancel their Membership at any time, either in person at Clubs or by calling 1-888-746-7726. To cancel your Sam’s Club membership, you can either call their customer service line or visit the membership desk at any Sam’s Club location.


This comprehensive guide explored the complications of the Sams Annex charge, a standard entry on many bank statements linked to Sams Club memberships and transactions. In a world where digital transactions are the norm, staying informed and proactive is key to safeguarding your financial health. 

Regularly reviewing account statements, being aware of membership terms, and taking prompt action in case of discrepancies are good financial practices and a strong defense against potential fraud and identity theft.

We encourage our readers to take these proactive steps in managing their memberships and subscriptions. By doing so, you ensure that your financial journey is both a successful and secure one. Stay vigilant, stay informed, and stay secure.

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