A SAM ANNEX charge on your bank or credit card statement is a billing descriptor used by Sam’s Club, the membership warehouse retailer owned by Walmart. In most cases, the charge is an automatic renewal of your Sam’s Club membership that posted roughly a day before your current term expired. It can also reflect a new sign-up or an online purchase through Sam’s Club.
Why It Shows Up Without Warning
Sam’s Club’s Auto-renew Program charges whatever payment method is on file about one day before the current membership year ends. If you opted into auto-renewal when you joined, the charge recurs every year until you specifically turn it off. Members who hold a Sam’s Club Credit Account are enrolled in renewal billing automatically and have to contact the card issuer separately to opt out.1Sam’s Club. Terms and Conditions
Does the Amount Match a Membership?
As of May 2026, Sam’s Club raised its membership prices for the first time in several years. A Club membership is $60 per year, up from $50. A Plus membership is $120 per year, up from $110.2News-Journal Online. Sam’s Club Membership Fees Price Hike If your charge matches one of those figures (plus any applicable tax), it’s almost certainly a renewal. Promotional new-member rates have run as low as $25 for Club and $55 for Plus, so a smaller amount in that range may be an initial sign-up.3Sam’s Club. Join Sam’s Club
How To Stop Future Renewals
Canceling auto-renewal and canceling the membership itself are two different actions. Doing one does not do the other.1Sam’s Club. Terms and Conditions
To stop future automatic charges while keeping your current membership, turn off Auto-renew in your online Membership Settings, visit the Member Service Desk at any club, or call 888-746-7726.4Sam’s Club. Membership Renewal Payments and Options You need to do this at least 24 hours before the renewal date to block that year’s charge.3Sam’s Club. Join Sam’s Club
To cancel the membership itself, use the Member Service Desk in-club, live chat, or the same phone line, 888-746-7726.5Sam’s Club. How To Deactivate a Sam’s Club Membership After cancellation you generally keep access through the end of the paid year, unless you took a refund under the satisfaction guarantee.1Sam’s Club. Terms and Conditions
Getting the Money Back
Sam’s Club advertises a 100% Satisfaction Membership Guarantee that lets members request a refund of the membership fee. The terms limit this to one Plus cancellation or one downgrade refund per year per household or business, and taking the refund ends your membership access immediately rather than at the end of the paid year.1Sam’s Club. Terms and Conditions
Call Member Services at 888-746-7726 to request the refund. Refunds are typically issued as a check or a gift card redeemable at Sam’s Club or Walmart.6NBC Chicago. How To Get a Refund on Your Sam’s Club Membership
If You Never Signed Up
If you don’t have a Sam’s Club membership and didn’t make the purchase, treat the charge as potentially fraudulent. Sam’s Club advises contacting your bank or card issuer right away to report the unauthorized charge and open a dispute. Sam’s Club also recommends resetting your SamsClub.com password, deleting any saved payment information on the account, and changing the password anywhere else you’ve reused it.7Sam’s Club. Unrecognized Charges or Orders
Under the Fair Credit Billing Act, your liability for unauthorized credit card charges is capped at $50.8Federal Trade Commission. Using Credit Cards and Disputing Charges9Consumer Financial Protection Bureau. How Do I Dispute a Charge on My Credit Card Bill
If the charge looks like identity theft rather than a one-off error, Sam’s Club runs a corporate portal through Walmart for reporting these incidents and requesting records of any fraudulent transactions tied to your information.7Sam’s Club. Unrecognized Charges or Orders
When Auto-Renewal Disclosures Weren’t Clear
Federal law requires companies using automatic renewal billing to clearly disclose that charges recur, the amount, and how to cancel, before collecting payment information.10Federal Trade Commission. Getting and Out Free Trials, Auto-Renewals, and Negative Option Subscriptions The Restore Online Shoppers’ Confidence Act (ROSCA) carries civil penalties of up to $53,088 per violation and requires a simple way to stop recurring charges. Some states add protections: California’s Automatic Renewal Law requires online cancellation without obstructive steps, advance notice of price increases, and a reminder before annual renewals, while New York requires advance consent for price hikes or a 14-day cancellation window with a pro-rata refund.11Arnold & Porter. FTC and State AGs Continue To Scrutinize Subscription Practices If you believe disclosures were inadequate or cancellation was made unreasonably difficult, you can file a report at ReportFraud.ftc.gov or with your state attorney general.