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Sam’s Club® Business Mastercard®, issued by Synchrony Bank, is an ideal credit card for business owners who are Sam’s Club members. It has no annual fees and provides cash back on gas, dining, and other purchases made at Sam’s Club. The amount of cash back depends on both the type of card you have and the purchase category. The card is accepted at Sam’s Club and Walmart branches nationwide.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to Compare to view the details in a side-by-side comparison.
Sam’s Club® Business Mastercard®
BEST FOR:
5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations
Intro APR
None
Regular APR
20.90% for Account Type 1 and 28.90% for Account Type 2
Annual Fee
$0—Sam's Club PLUS membership fee is $50 or $110 per year
Credit Needed
Good to Excellent
- Earn 5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations, 3% on all Sam’s Club purchases, 3% back at restaurants, and 1% on all other eligible purchases
Pros
- $0 annual fee
- $0 foreign transaction fees
Cons
- Need to be a Sam’s Club member to qualify
- Does not have 0% introductory APR on purchases
- Must be a Sam’s Club Plus membership to maximize rewards
- 600 branches: Sam’s Club has around 600 branches across the US and Puerto Rico.
- 2-in-1 card: This credit card can also be your Sam’s Club membership card.
- Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
- Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.
Intro APR
None
Regular APR
20.90% for Account Type 1 and 28.90% for Account Type 2
Annual Fee
$0—Sam's Club PLUS membership fee is $50 or $110 per year
Credit Needed
Good to Excellent
- Earn 5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations, 3% on all Sam’s Club purchases, 3% back at restaurants, and 1% on all other eligible purchases
Pros
- $0 annual fee
- $0 foreign transaction fees
Cons
- Need to be a Sam’s Club member to qualify
- Does not have 0% introductory APR on purchases
- Must be a Sam’s Club Plus membership to maximize rewards
- 600 branches: Sam’s Club has around 600 branches across the US and Puerto Rico.
- 2-in-1 card: This credit card can also be your Sam’s Club membership card.
- Authorized user: You can add an authorized user to help manage your Sam’s Club online management account.
- Protection against identity theft: At no charge, you can request copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.
When grading cash back business credit cards like the Sam’s Club® Business Mastercard®, we first consider the ongoing and introductory rewards. We also rate the annual fee, introductory and ongoing annual percentage rates (APRs), and other card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 30 |
Introductory Rewards | 15 | 20 |
Annual Fee | 15 | 15 |
Additional Features | 5 | 15 |
Introductory APR | 0 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 63 | 100 |
Who the Sam’s Club® Business Mastercard® Is Best For
- Those with an active Sam’s Club membership: It offers multiple benefits for Sam’s Club members—it can also double as your membership card. To qualify for this card without a personal guarantee, businesses must have at least $5 million in annual sales revenue, have been operational for at least two years, and have over 10 employees.
- Those who do a lot of business-related driving: If you often drive to meet with clients or complete jobs, you can get rewards when you use the card at Sam’s Club gas stations.
See our recommended alternatives below if this card isn’t the best fit for your business.
Sam’s Club® Business Mastercard® Rewards
- $30 statement credit after opening a new account and making at least a $30 purchase or more within 30 days of account opening
- 5% cash back on eligible gas stations anywhere for the first $6,000 spent per year, then 1% if the cap is met
- 3% cash back on Sam’s Club purchases with Plus membership (1% cash back for Club members only) and dining and takeout
- 1% cash back on other purchases
Sam’s Club® Business Mastercard® Calculator
Figure how much you can earn from the Sam’s Club® Business Mastercard® based on your estimated monthly expenses. Use our rewards calculators to compute your potential rewards—just enter your expected monthly spending, and our calculators will do the rest.
Use this calculator if you have an active Sam’s Club Plus membership.
If you don’t have an active Sam’s Club membership, you can use this calculator instead to compute your potential rewards.
How To Redeem Sam’s Club® Business Mastercard® Rewards
You can redeem your Sam’s Cash by:
- Applying it to your membership renewal fees
- Including it toward your eligible purchases from Sam’s Club and SamsClub.com, and
- Cashing out by visiting the Sam’s Club membership desk or registering with an associate (note that proof of identification is needed at the time of redemption)
Sam’s Club members can earn up to a maximum of $5,000 in Sam’s Cash The loyalty rewards currency used by Sam’s Club® Business Mastercard cardholders. per calendar year when making eligible net purchases using this card. Note that you cannot earn Sam’s Cash on the following product categories: alcoholic beverages, tobacco products, fuel, certain dairy products, gift cards, etc.
Keep in mind that you can only earn Sam’s Cash in U.S. and Puerto Rico Sam’s Club locations.
Sam’s Club® Business Mastercard® Features
- Itemized billing statements: Receive itemized billing statements every month, so you can monitor the kinds of purchases you or authorized users made.
- 2-in-1 card: Also use this card as your Sam’s Club membership card.
- Mobile app: Use the Sam’s Club mobile app to monitor credit card activities, pay bills, and even apply for a credit card limit increase.
- Authorized user: Add an authorized user to help manage your Sam’s Club online management account.
- Fraud liability: Contact Synchrony Bank by calling (866) 834-3205 for unrecognized charges or transactions. However, if your online account has been used without authorization, reset your account password immediately and delete all saved credit/debit card payment information from the account.
- Protection against identity theft: You can request free copies of your application and business records at Sam’s Club or SamsClub.com if you’re a victim of identity theft.
- Around 600 branches: Sam’s Club has around 600 branches across the US and Puerto Rico.
Sam’s Club® Business Mastercard® Fees
APR
- Introductory: None
- Ongoing: 20.90% for Account Type 1 and 28.90% for Account Type 2 (if you are charged interest, the minimum is $2)
- Penalty: 29.99%
- Cash advance: 25.90% for Account Type 1 and 31.90% for Account Type 2
Fees
- Annual: None, as this will be charged on your Sam’s Club membership ($50 per year for Club membership and $110 per year for the Plus membership)
- Cash advance: Either $5 or 3% of the amount of the cash advance, whichever is greater
- Late payment
- $0 for a new balance of less than $25
- $15.99 for a new balance of $25.50 to $99.99
- $29.99 for a new balance of $100 to $249.99
- $39.99 for a new balance of $250 or more
- Returned check:
- $15 on balances of less than $100
- $38 on balances of $100 and higher
Your due date is at least 20 days if there’s no previous balance or the balance is fully paid; otherwise, none.
Cardholders must pay at least the minimum payment on or before 5 p.m. Eastern time on the due date indicated on their statement. Your total minimum payment is the sum of the following:
- $15, 1/24th of the new balance included in your statement, or the sum of the finance charges, late fee, and 1% of your new balance—whichever is greater
- Any past due amounts
You can make your payments in one of three ways:
- AutoPay: Go to https://samsclub.syf.com/accounts/login and select “Manage Recurring Payments”. Make sure to turn on “Recurring Payments” and fill out all the necessary information to activate it.
- Phone: Pay your bill over the phone by calling the number on the back of your card. Note that payments generally are posted to the account on the same banking day and that this feature is unavailable for direct accounts.
- Mail Payments made by check will take 7-14 days to process. : Send a check to the address on the payment stub of your billing statement.
Sam’s Club® Business Mastercard® Alternatives
American Express Blue Business Cash
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.74% - 25.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome offer
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
The Sam’s Club® Business Mastercard® will not allow you to spend beyond your credit limit. If you need this particular feature, we recommend the American Express Blue Business Cash as it offers expanded buying power—which lets you spend beyond your credit limit after meeting certain criteria.
card_name
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
Intro APR
0% Intro APR on Purchases
Regular APR
18.49% - 24.49% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Pros
- With interest-free financing option on purchases
- Fixed unlimited cash back on all purchases
Cons
- Does not have interest-free financing option on balance transfers
- Charges high foreign transaction fees
- Auto rental collision damage waiver: You can decline the company’s collision insurance and charge the entire rental cost to this card.
- Travel and emergency assistance services: Call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance.
- Purchase protection: You can ensure that your new purchases are covered for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Zero liability protection: Chase will not hold you responsible for unauthorized transactions made with both your card and your account information.
- Cellphone protection: Receive up to $1,000 per claim in cellphone protection against covered theft or damage for you and your employees included in your monthly cellphone bills when using your card to pay for it. This applies for a maximum of three claims within a 12-month period and will charge a $100 deductible per claim.
If you are looking for a business credit card that offers fixed-rate cash back rewards on all purchases, we suggest the card_name. This card also lets you enjoy $0 annual fees and premium cash back after meeting a small spending requirement.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.24% - 27.24% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® if you are looking for a card that offers a long 0% introductory period on purchases (for the first 12 billing cycles). This card is also viable for those who have frequent expenses on gas and electric vehicle (EV) charging stations as you can earn cash back without a spending limit.
Frequently Asked Questions (FAQs)
Yes, you can bill and renew your membership fees automatically with your Sam’s Club® Business Mastercard® through Autobill. Registering for Autobill ensures you never need to worry about your membership expiring. If you want to take advantage of this for your Sam’s Club® Business Mastercard®, contact Sam’s Club at (866) 220-2760.
Note that Autobill is different from Auto Renewal as autobills are only applicable to those with Sam’s Club credit card holders. Meanwhile, Auto Renewal lets you use any card to renew your membership with Sam’s Club.
No, in-person payments for your credit card are no longer accepted at the Sam’s Club Membership Desk.
No, Sam’s Club is not located in the following states: Washington, Oregon, Vermont, Alaska, Massachusetts, and Rhode Island.
Bottom Line
Sam’s Club® Business Mastercard®, which doesn’t charge any annual and foreign transaction fees, offers cash back when you purchase gas and merchandise at Sam’s Club. While it’s an excellent credit card for Sam’s Club members, note that rewards can only be earned when using the card for purchases at Sam’s Club.
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