STRONGLY RECOMMEND NOT BUYING A SMART CIRCLE CARD!!! I bought a RTJ Golf "Smart Circle Card" at Sam's Club in huntsville, AL. When I went to the golf course to use the card, they would not honor it because there was no expiration date or signature on the back which invalidated the card. They told me they expired months before. The company did say they would provide my money back but it was a hassle. at first, the operator kept telling me that I had to swap for another card. upon my insistence, the third time, he finally connected me to the manager who said if i send the card back they will refund my money... we'll see.