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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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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
20.40% for Account Type 1 or 28.40% for Account Type 2
Annual Fee
$0
Credit Needed
Good to Excellent
- Earn a $60 statement credit when you open an account between October 25 and December 5 and make at least $30 in purchases at Sam’s Club within the first 30 days.
- Enjoy 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.
- Get 3% cash back on Sam’s Club purchases with a Plus membership, while Club members earn 1% cash back.
- Earn 3% cash back on dining and takeout purchases, providing a strong incentive for businesses or individuals who regularly dine out or cater meals.
- Receive 1% cash back on all other purchases, a standard rate that ensures you’re rewarded on non-category expenses as well.
Pros
- $0 annual fee
- Offers welcome bonus
- High value rewards on gas spending
- $0 foreign transaction
Cons
- No introductory reward
- Must be a Sam’s club member
- Complicated reward structure
- 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®.
- 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
20.40% for Account Type 1 or 28.40% for Account Type 2
Annual Fee
$0
Credit Needed
Good to Excellent
- Earn a $60 statement credit when you open an account between October 25 and December 5 and make at least $30 in purchases at Sam’s Club within the first 30 days.
- Enjoy 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.
- Get 3% cash back on Sam’s Club purchases with a Plus membership, while Club members earn 1% cash back.
- Earn 3% cash back on dining and takeout purchases, providing a strong incentive for businesses or individuals who regularly dine out or cater meals.
- Receive 1% cash back on all other purchases, a standard rate that ensures you’re rewarded on non-category expenses as well.
Pros
- $0 annual fee
- Offers welcome bonus
- High value rewards on gas spending
- $0 foreign transaction
Cons
- No introductory reward
- Must be a Sam’s club member
- Complicated reward structure
- 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®.
- 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 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.
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
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).
Pro Tip: Plan your redemptions strategically, such as timing them with large purchases or membership renewals, to maximize the value of your Sam’s Cash.
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.
Tips for Successful Payments
- Set up AutoPay: Enable AutoPay through the online portal or app to automate your monthly payments.
- Monitor due dates: Check your billing statement or account dashboard regularly to avoid late payments.
- Allow processing time: Payments made by check will take 7 to 14 days to process and free up the open-to-buy.
Sam’s Club® Business Mastercard® Alternatives
Ramp Credit Card
Ramp Credit Card
BEST FOR:
Those who are using Ramp as their main financial management tool
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
Intro APR
None
Regular APR
None
Annual Fee
$0
Credit Needed
Poor to Excellent
- Up to 1.5% cash back on purchases, regardless of spending categories
Pros
- Offers rewards for cardholders
- Does not charge additional fees
- Integrates with accounting software, such as QuickBooks and Xero
Cons
- Requires paying balances in full each month
- Is unavailable to sole proprietors and unincorporated businesses
- Travel and emergency assistance services: Call the Benefit Administrator at (800) 397-9010 if you are in the United States or (303) 967-1093 if you are outside of the US if you need emergency assistance.
- Purchase security: Receive a maximum of $10,000 per claim and $50,000 per cardholder in cases of theft or damage to purchases made with your card.
- Auto rental collision damage waiver: When using this card for renting a car, you can be reimbursed for damages caused by theft or collision up to the Actual Cash Value of most rented cars. Note that rental periods of 31 consecutive days are covered.
- Extended warranty protection: Extend warranties for eligible purchases made with your covered account and/or rewards programs associated with your account.
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
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 27.49% 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, 17.49% – 27.49%, 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
17.49% - 27.49% 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, 17.49% – 27.49%, 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.)
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. Plus, the card comes with expense management tools and has a $0 annual fee. It is also our overall best small business credit card for cash back and expanded buying power.
U.S. Bank Business Triple Cash Rewards World Elite Visa®
U.S. Bank Triple Cash Rewards Visa® Business Card
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
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas 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 purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas 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 purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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
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.