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Sam’s Club® Business Mastercard®, issued by Synchrony Bank, is a $0 annual fee business credit card ideal for those who shop at Sam’s Club or spend heavily on gas and dining. Its standout reward is the 5% cash back on gas purchases worldwide (up to $6,000 annually), along with 3% cash back on dining. It requires a Sam’s Club membership starting at $50 per year for Club members and $110 for Plus members.
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| Intro APR | None |
|---|---|
| Regular APR | 20.40% for Account Type 1 or 28.40% for Account Type 2 |
| Annual Fee | $0 |
| Credit Needed | Good to Excellent |
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 who frequently shop at Sam’s Club: With elevated cash back rewards for Plus members, this card maximizes value for regular Sam’s Club customers, especially those who make substantial purchases.
- Those who spend significantly on gas: The 5% cash back on gas (up to $6,000 annually) makes this card a great fit for businesses with vehicle fleets or individuals with high fuel expenses.
- Those who dine out or order takeout regularly: The 3% cash back on dining and takeout is a standout feature for businesses that frequently host clients or provide meals for employees.
See our recommended alternatives below if this card isn’t the best fit for your business.
Sam’s Club® Business Mastercard® Rewards
The Sam’s Club® Business Mastercard® offers flexible rewards that don’t expire as long as your account is active and in good standing. Earn up to $5,000 in Sam’s Cash annually on eligible purchases, but categories like alcohol, tobacco, gift cards, and fuel are excluded. Rewards are limited to purchases made at Sam’s Club locations in the US and Puerto Rico.
- $60 statement credit when you open an account between October 25 and December 5—$30 statement credit when opening an account after December 5—and make at least $30 in purchases at Sam’s Club within the first 30 days.
- 5% cash back on eligible gas purchases worldwide for the first $6,000 spent annually. After reaching the cap, you’ll earn 1% cash back.
- 3% cash back on Sam’s Club purchases with a Plus membership, while Club members earn 1% cash back.
- 3% cash back on dining and takeout purchases, providing a strong incentive for businesses or individuals who regularly dine out or cater meals.
- 1% cash back on all other purchases, a standard rate that ensures you’re rewarded on non-category expenses as well.
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.
Sam’s Club® Business Mastercard® with Plus Membership Calculator
Your potential annual reward earnings are:
If you don’t have an active Sam’s Club membership, you can use this calculator instead to compute your potential rewards.
Sam’s Club® Business Mastercard® without Plus Membership Calculator
Your potential annual reward earnings are:
How to Redeem Sam’s Club® Business Mastercard® Rewards
Redeeming your rewards with the Club® Business Mastercard® is simple and flexible, offering several options to suit your needs. Here’s a step-by-step guide to help you maximize your Sam’s Cash:
Redeem Rewards Online
- Log in to your Sam’s Club online account at samsclub.com.
- During checkout, select “Sam’s Club Mastercard Cash Back” as your payment option.
- Enter the amount of Sam’s Cash you’d like to apply to your purchase.
Redeem Rewards In-Store
- Use your rewards for purchases at Sam’s Club store locations or on samsclub.com.
- Apply rewards toward membership renewals or upgrades.
- Visit the membership desk to cash out your rewards (valid ID required).
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.
- Scan & Go™: Skip the checkout lines by using the Sam’s Club Scan & Go app. Simply scan the items with your phone as you shop and pay directly in the app using your Sam’s Club® Business Mastercard®.
- Employee cards: Request additional cards for your employees at no extra cost. You can even set spending limits to maintain control over business expenses.
- 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
The Club® Business Mastercard® offers two account types called Account Type 1 and Account Type 2, each with distinct interest rates and terms. The assignment to Account Type 1 or 2 is determined during the application review process based on factors like creditworthiness and financial history. Account Type 1 offers lower interest rates compared to Account Type 2.
APR
| Account Type 1 | Account Type 2 | |
|---|---|---|
| Introductory | N/A | N/A |
| Purchase | 20.40% | 28.40% |
| Balance Transfer | N/A | N/A |
| Cash Advance | 25.40% | 31.40% |
| Penalty | N/A | N/A |
Fees
| Account Type 1 | Account Type 2 | |
|---|---|---|
| Annual | $0 | $0 |
| Balance Transfer | N/A | N/A |
| Cash Advance | Either $5 or 3% of the amount of each cash advance, whichever is greater. | Either $5 or 3% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction | $0 | $0 |
| Late Payment | Up to $40 | Up to $40 |
Your due date is at least 23 days after the close of each billing period, with no interest on purchases if paid in full.
Online or Mobile App Payments
- Log in to your account at https://samsclub.syf.com/accounts/login or through the Sam’s Club app.
- Navigate to the Payments section.
- Choose the payment amount: minimum due, statement balance, or a custom amount.
- Enter your bank account details and confirm your payment.
Phone Payments
- Call the number on the back of your card or 866-220-2760.
- Follow the automated prompts or speak with a representative to complete your payment.
Mail Payments
- Send a check or money order with your account number written on it to the address provided on your billing statement.
- Make sure to mail your payment well in advance of the due date to avoid late fees.
Sam’s Club® Business Mastercard® Alternatives
Ramp Credit Card
| Intro APR | None |
|---|---|
| Regular APR | None |
| Annual Fee | $0 |
| Credit Needed | Poor to Excellent |
This is a corporate charge card that comes with a robust expense management system and several useful features. It offers unlimited physical and virtual cards and lets you earn 1.5% cash back on purchases without caps or category restrictions. It has $0 annual or monthly fees, and you can get up to a 20x higher credit limit compared to most other business credit cards.
American Express Blue Business Cash™ Card
| Intro APR | 0% on purchases |
|---|---|
| Regular APR | 16.74% - 28.49% Variable |
| Annual Fee | No annual fee |
| Credit Needed | Excellent, Good |
This card is designed for business owners who may need to spend beyond their credit limit and want to earn cash back without keeping track of spending categories. It features Expanded Buying Power, which is an adjustable credit limit based on your usage, payment history, credit record, and financial resources. It is also our overall best small business credit card for cash back and expanded buying power.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
This card helps you save on credit costs through its unlimited cash back on purchases, annual software credits, 0% introductory APR on purchases, and a $0 annual fee. It also lets you pay off your eligible balance over time without interest through its ExtendPay® Plan feature.
Frequently Asked Questions (FAQs)
Yes, you can—the Sam’s Club® Business Mastercard® allows you to enroll in Autobill for automatic membership renewal. This ensures your membership never expires and saves you the hassle of manual renewals. To activate Autobill, contact Sam’s Club at 866-220-2760.
Important Note: Autobill is specific to Sam’s Club credit cardholders, while Auto Renewal is available for all members and can be set up with any card.
Applying for the card is quick and easy. Text “APPLY” to the designated Sam’s Club number, follow the prompts, and complete the application process in minutes.
For Business Credit Accounts:
- Call the number on the back of your Sam’s Club® Business Mastercard® or:
- Visit samsclub.syf.com.
- Click “Manage Your Account” and select Login for Business Credit.
- Log in to eService.
- From the Account Summary page, scroll to “Current Statement” and select Enroll in Electronic Statements.
For Consumer Credit Accounts:
- Call the number on the back of your card or:
- Visit samsclub.syf.com.
- Click “Manage Your Account” and select Login for Consumer Credit.
- Navigate to Activity > Statements > Enroll in eStatements.
Bottom Line
The Club® Business Mastercard® is a solid choice for business owners looking for a no-frills card with a $0 annual and foreign transaction fees. Its standout feature is the 5% cash back on fuel purchases, making it ideal for businesses with high gas expenses. However, keep in mind that rewards can only be used at Sam’s Club, which may limit flexibility for some users.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express Blue Business® Cash™
