Last Updated: 04/18/2025
Sam's Club Business Mastercard
Claimed
in Business Credit Cards from Synchrony Bank
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
15.65% - 23.65%(Verified 06/21/2024)
Disclaimer popup with additional information
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 Mastercard is the right card for you, read on.
Key Takeaways
- Business credit card with generous reward rate. You can get a rewards rate of up to 5x.
- APRs: Sam's Club Business Mastercard has a variable regular 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 you have a fair credit score or better.
Pros & Cons of Sam's Club business credit card
| The Good | The Bad |
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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.| 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.
| 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 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:
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Maximum | 500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Welcome Offer | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Rewards Categories |
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| Rewards Type | Cash Back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Reward Rates | 1 - 5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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Message from Sam's Club business credit card
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