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.
Sam’s Club® Business Mastercard®
BEST FOR:
5% back on gas at United States gas stations and Sam's Club and Walmart fuel stations
- 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
- No 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.
- 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
- No 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
- Sam’s Club members: 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 within 30 days of account opening
- 5% cash back on eligible gas stations and electric vehicle (EV) charging 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.
This calculator is for those with an active Sam’s Club Plus membership.
If you don’t have an active Sam’s Club membership, you can use this calculator to compute your potential rewards.
How To Redeem Sam’s Club® Business Mastercard® Rewards
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 the earned value of Sam’s Cash is deducted before the accrual of Sam’s Cash if qualified purchases are returned for a refund.
Sam’s Cash redemption has changed from annual to monthly and requires an active membership. There are no limits on the amount of Sam’s Cash you can earn, and the Bonus Offer Program offers new ways you can earn 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: This credit card can also be your Sam’s Club membership card.
- Mobile app: Cardholders can use the Sam’s Club mobile app to monitor their credit card activities, pay their bills, and even apply for a credit card limit increase.
- Authorized user: You can 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
- Method of computing the balance for purchases: Daily balance
- 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:
- Online: Go to https://samsclub.syf.com/accounts/login.
- 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 seven to 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
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- 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.
- 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, 18.49% - 26.49%, 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.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- 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.
When To Consider American Express Blue Business Cash
- You are intending to spend beyond your credit limit: It offers expanded buying power, which allows you to exceed your credit limit after meeting certain conditions.
- You need a 0% introductory period: It gives you a 0% introductory period on purchases for the first 12 billing cycles.
Other Benefits
- 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back after the purchase cap is met
- Charges $0 annual fee
- Lets you add employee cards at no additional cost
The ability to spend beyond your credit limit, fixed-rate cash back rewards, and the 0% introductory period are why this card is our leading cash back business credit card and one of our best small business credit cards. Note, however, that it does not offer a 0% introductory period on balance transfers. Read our guide to the leading American Express business credit cards for more options from the provider.
Chase Ink Business Unlimited®
Ink Business Unlimited® Credit Card
BEST FOR:
Those who want fixed-rate 1.5% cash back on all purchases
- 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.
- 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.
When To Consider Chase Ink Business Unlimited®
- You prefer earning fixed-rate cash back rewards: It lets you earn 1.5% cash back on all business purchases.
- You want a bank issuer that is present in over 40 states: Chase is located in more than 40 states.
Other Benefits
- Has a 0% introductory period on purchases for the first 12 billing cycles
- Charges $0 annual fee
This card is our top small business credit card and leading credit card for new businesses with no credit history. It is also one of our best cash back business credit cards. Note that it does not have a 0% introductory period on balance transfers. Head over to our guide to the best Chase business credit cards for additional options from Chase.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- $0 annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You need a long 0% introductory period: It offers a 0% introductory period on purchases and balance transfers for the first 15 billing cycles.
- You spend for software subscriptions: You’ll receive a $100 annual statement credit for recurring software subscriptions like QuickBooks and FreshBooks.
Other Benefits
- Charges $0 annual fee
- Lets you earn up to 5% cash back on your expenses, depending on the spending categories
- Offers ExtendPay® Plan, which allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest charges
Its long 0% introductory period and premium rewards are why it is our leading fuel card for small businesses and one of our best cash back business credit cards and top cards for new businesses with no credit history. For more options from the same bank, see our list of the top U.S. Bank business credit cards.
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 that 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.
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.