Searching for a Samsung credit card in 2026 leads to a surprising dead end. The Samsung credit card, formally the Samsung Financing Program credit account issued by TD Bank, stopped accepting new purchases on December 31, 2024. As of July 2026, Samsung does not offer a US credit card at all.
That does not mean you are out of options for financing a new Galaxy phone or TV. Here is exactly what happened, what replaced the card, and what to use instead.
Samsung Credit Card: Key Facts at a Glance
| Fact | Detail (as of July 2026) |
|---|---|
| Product | Samsung Financing Program credit account |
| Issuer | TD Bank, N.A. |
| Network | Closed-loop (Samsung purchases only) |
| Status | Discontinued; last day for new purchases was December 31, 2024 |
| Existing balances | Payable through TD Bank under original terms; TD has been closing paid-off accounts |
| Replacement | Affirm financing at Samsung.com checkout |
| Rewards | None |
| Welcome bonus | None; the program is closed to new applicants |
What the Samsung Credit Card Was
The Samsung Financing account was a store credit line, not a Visa or Mastercard. You could only use it at Samsung.com and the Shop Samsung app, which made it a closed-loop product like most retail store cards.
Its main draw was promotional financing: 0% APR offers on phones, TVs, and appliances for a set number of months. After a promo ended, standard interest applied at the rate TD Bank disclosed at application. The account carried no rewards program of its own.
Why the Program Ended
Samsung and TD Bank wound down the program at the end of 2024. Existing customers kept their accounts only to pay down remaining balances, and TD Bank has been closing accounts as they reach zero.
If you still carry a balance, keep making payments through TD Bank's Samsung Financing portal. Payment history is still being reported, so late payments can still hurt your credit.
How Samsung Financing Works Now: Affirm
Samsung's checkout now offers financing through Affirm, a buy now, pay later lender. Instead of a revolving credit line, each purchase becomes its own installment loan.
As of July 2026, Affirm advertises plans ranging from 0% to 36% APR depending on the offer, your credit, and the term you pick. Checking your options uses a soft credit pull, so prequalifying does not ding your score. A 0% promo can be a solid deal, while a 30%+ APR plan makes that TV far more expensive than the sticker price.
Two cautions apply. Affirm terms vary by purchase, and missed payments can be reported to the bureaus. Terms and conditions apply, and APRs vary by creditworthiness.
What About Samsung Money by SoFi?
Samsung Money by SoFi still appears in SoFi's support pages, but it is a debit card tied to a cash management account, not a credit card. It cannot finance a purchase, and it is not designed to build credit history. Samsung has not promoted it heavily in recent years, so double-check current terms before opening one.
Better Cards for Financing Samsung Purchases
Since the Samsung card is gone, a general-purpose card you can use anywhere beats waiting for a store program to return.
If you want everyday rewards while paying for electronics, the Aspire Mastercard is an unsecured cash back card that works anywhere Mastercard is accepted, not just at Samsung. APRs vary by creditworthiness, so review the current terms before applying.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard. Prequalify* For Up To $1000 Credit Limit. No security deposit. Packed with great benefits, it’s designed to give you more flexibility—and purchasing power—along with up to 3% cash back rewards!** Good anywhere Mastercard is accepted, it’s the go-to card for any lifestyle.
Standout feature
Up to 3% cashback rewards
Fees
$49 to $175; after that $0 to $49 annually; - $60 to $159 annually billed at $5 to $12.50 per month after the first year.
Pros
No Deposit Required. Prequalify for up to $1000 credit limit
Cons
High APR. 25.74% to 36%, based on your creditworthiness.
If your paycheck does the budgeting for you, Perpay lets you shop its marketplace, including electronics, with up to $1,000 in spending power repaid straight from your paycheck. Payments are reported to the credit bureaus, and Perpay says members raise their scores by 32 points on average.
Perpay Credit Card
Perpay Credit Card
Meet the only card powered by your paycheck. With automatic transfers from your paycheck, you can manage payments stress-free and build credit with ease.
Fee
$9/month plus $9 account opening fee
APR
Marketplace: 0% / Credit Card: 27.74% to 29.99% depending on your creditworthiness.
Minimum Deposit Amount
$0
Credit Check
No
Cashback
2% reward on purchases made in Perpay Marketplace
Benefit
2% rewards, no security deposit
If you are starting from thin credit, the Arro Card starts with up to a $300 limit that can grow to $2,500, requires no hard credit check to apply, and pays 1% cash back on gas and groceries.
Arro Card
Arro Card
No deposit. No hard credit check. Start with up to $300 and grow your credit line to $2,500 by completing in-app tasks. Earn 1% cash back on gas and groceries — including Walmart and Target.
Standout feature
Unsecured — no deposit required
Fees
up to $60/ year
Pros
1% cash back on gas & groceries
Cons
Starting credit limit: $50–$300
What Users Commonly Report
Many longtime Samsung Financing customers report frustration that the program ended, especially those who used 0% promos for every phone upgrade. A common complaint is that the account closures reduced available credit and, for some, trimmed the average age of their credit history. Reviewers are more mixed on Affirm: users often praise the clear fixed payment schedule, while others dislike juggling a separate loan for every purchase. Weigh those patterns against your own habits.
Should You Wait for a New Samsung Card?
Samsung has not announced any new US credit card as of July 2026, so waiting on a rumor is not a plan.
If your goal was promo financing, Affirm at checkout covers that. If it was building credit while you spend, a reporting product like Perpay or a growing-limit card like the Arro Card can do more for you than the old closed-loop account ever did, since both work beyond Samsung's own store.
Frequently Asked Questions
Is there a Samsung credit card in 2026?
No. The TD Bank-issued Samsung Financing account stopped accepting new purchases on December 31, 2024, and no replacement card has launched. Samsung's checkout financing now runs through Affirm.
What happens to my old Samsung Financing balance?
You keep paying TD Bank under your original terms until the balance reaches zero. Accounts are closed once paid off, so watch your overall credit utilization on other cards afterward.
Does Affirm financing at Samsung affect my credit?
Prequalifying uses a soft pull that does not affect your score. Depending on the plan, Affirm may report the loan and your payment history, so late payments can hurt just like a credit card.
Can I use Samsung Money by SoFi to finance a phone?
No. It is a debit card attached to a cash management account, so you can only spend money you already have. For financing, you would need Affirm at checkout or a general-purpose credit card.
