Sam's Club Business Mastercard
Sam's Club Business Mastercard
in Business Credit Cards from Synchrony Bank

Sam's Club Business Mastercard

in Business Credit Cards from Synchrony Bank
Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Community Rating

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Purchase APR  (Variable APR) 15.65% - 23.65%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) N/A
Annual Fee $0
Credit Score Range 650 - 850

Sam's Club Business Mastercard Review

This is a store cashback card issued by Synchrony Bank. If you're wondering whether Sam's Club business credit card is the right card for you, read on.

Key Takeaways

  • Business credit card with generous reward rate. You can get a maximum cashback rewards rate of up to 5x.
  • 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.

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 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 or rewards program?

No, it does not offer a cash back rewards program. The rewards program allows you to earn 1% 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

What are the benefits?

This business credit card provides the following benefits:

  • Fraud Liability
  • Reports to major credit bureaus

What is the customer service phone number?

The customer service number for this business card is (866) 226-5638.

What is the support contact email?

The support contact email for this business credit card is

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 credit card

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.


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
Cash Advance Fee (%) 3%
Cash Advance Fee Minimum $5
Foreign Currency Transaction Fee 0%
Late Fee Amount $0 - $39.99
Minimum Cash Advance Fee ($) $5
Minimum Interest Charge $2
No Annual Fee
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 20 days
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
APR Type Variable APR
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%
(Verified 08/04/2023)
Card Network Mastercard
Card Type
  • Cashback
  • Travel
  • Store Card
  • Gas

Sam's Club Business Mastercard Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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