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  Sam's Club Business Mastercard

Sam's Club Business Mastercard

in Business Credit Cards from Synchrony Bank

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Sam's Club Business Mastercard

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in Business Credit Cards from Synchrony Bank

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Highlights
Purchase APR  (Variable APR) 15.65% - 23.65%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 650 - 850
Annual Fee $0

Sam's Club Business Mastercard Review

Key Takeaways
  • Business credit card with generous reward rate. You will get a maximum cashback rewards rate of up to 5%.
  • Competitive APRs. Sam's Club Business Mastercard has a variable purchase APR that ranges from 15.65% up to 23.65%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.
Pros & Cons of Sam's Club business credit card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • No annual fee.
  • No Personal Guarantee Required.
  • No foreign transaction fee.
  • Sam's Club Business Mastercard reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not include many credit card benefits.
Sam's Club business credit card FAQ

Who is Sam's Club business credit card designed for?

This is a store credit card issued by Synchrony Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 650.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 15.65% up to 23.65%.

It also has a variable cash advance APR that ranges from 20.65% up to 26.65%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

This business credit card does not offer an introductory rate on new purchases.

Sam's Club business credit card Rates & Terms
Purchase APR 15.65% - 23.65%
Cash Advance APR 20.65% - 26.65%
Penalty APR 29.99%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $39.99.
  • A returned payment fee of up to $38.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

Sam's Club business credit card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $15 to $39.99
Late Payment Fee $0 to $39.99

Does it offer a cash back rewards program?

The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Airfare
  • Every Purchase
  • Gas stations
  • Restaurants

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the support contact email?

The support contact email for this business credit card is customer.service@mail.synchronybank.com.

Does Sam's Club Business Mastercard report your account activity to credit bureaus?

Yes, Sam's Club Business Mastercard reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the Synchrony Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Sam's Club Business Mastercard

All members still earn with a Sam’s Club® Mastercard®. 5% cash back on gas. (on the first $6,000 per year, then 1% after). 3% cash back on dining cash-back. 1% cash back on other purchases.

Contact

Hours of Operation

  • Sunday 8:00am - 12:00am
  • Monday 8:00am - 12:00am
  • Tuesday 8:00am - 12:00am
  • Wednesday 8:00am - 12:00am
  • Thursday 8:00am - 12:00am
  • Friday 8:00am - 12:00am
  • Saturday 8:00am - 12:00am

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Feature Breakdown

Annual Fee $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 20 days
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $5
Late Fee Amount $0 - $39.99
Minimum Cash Advance Fee ($) $5
Minimum Interest Charge $2
Returned Payment Fee $15 - $38
Customer Type Business
Minimum Age 18
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • No Personal Guarantee Required
Annual Maximum 500
Bonus Rewards Get $30 as a statement credit when you open a new account and spend $30 online within 30 days.
Rewards Rates
  • Travel
  • Airfare
  • Gas
  • Restaurants
  • Every Purchase
Signup Bonus Up to $30
Balance Computation Daily Balance
Cash Advance APR (Variable APR) 20.65% - 26.65%
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 15.65% - 23.65%
Card Network Mastercard
Card Type
  • Cashback
  • Travel
  • Store Card
  • Gas

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