Sam’s Club® Business Mastercard® Review

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ByGrace Pilling
Edited byLukas Velunta
ByGrace Pilling
Edited byLukas Velunta

Updated: June 11, 2024

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Sam’s Club® Business Mastercard®

Annual Fee$0
Rewards RateEarn 5% cash back on eligible gas worldwide, inclu...
APR20.90% – 28.90% (variable)

The Sam's Club® Business Mastercard® is a game-changer for frequent shoppers at Sam's Club. It offers a hassle-free experience with no annual fees and an attractive welcome bonus. Its standout feature is the integration with Sam's Club's mobile app, providing contact-free payment options and easy account management. This card mainly benefits Sam's Club Plus members, maximizing their rewards through a multi-tiered system. The application process is streamlined, offering easy access to its benefits. But be mindful of its credit requirements and interest rates.

Sam’s Club® Business Mastercard® Overview

When choosing a credit card, first thoroughly evaluate its features, because they can significantly impact its overall suitability and value for your financial needs.

  • Rewards rate - Earn 5% cash back on gas (up to $6,000 annually), 3% on dining and takeout and 1% on other eligible purchases
  • Welcome offer - Earn $30 statement credit when opening a Sam’s Club® credit card and making at least $30 in purchases within the first 30 days
  • Regular APR - 20.40% to 28.40% (variable)
  • Annual fee - $0
  • Intro APR offer - None

Important Card Details

The Sam's Club® Business Mastercard® offers notable rewards and conveniences, but weighing these against its cost implications is important to understand its value proposition fully.

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    Fees

    The Sam’s Club® Business Mastercard® is a budget-friendly choice for businesses that are mindful of ongoing expenses. It boasts a $0 annual fee, which means you won't incur costs just for holding the card. However, although its fee-free nature is tempting, also consider its variable APR rates, ranging from 20.40% to 28.40%. Balancing timely payments with this rate will ensure the cost savings from the lack of an annual fee aren’t offset by interest charges.

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    Rewards

    This card is a rewards powerhouse, especially if you’re a frequent Sam’s Club shopper or have a Plus membership. Cardholders can earn up to 5% back on eligible in-club or digital purchases—a combination of 3% for using the card and an extra 2% for Plus members. Outside of Sam’s Club, you'll benefit from 5% cash back on gas (capped at $6,000 annually), 3% on dining and takeout and a general 1% on other purchases. With such tiered cash back, optimizing your spending could see significant rewards over time.

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    Sam’s Club Features

    One standout feature is the Scan & Go solution. Powered by Synchrony, this contact-free payment system reflects a growing consumer demand for safer, touchless transactions—especially in today's health-conscious world. Furthermore, the card's digital integration allows users to manage their account, track spending and execute payments through the Sam’s Club mobile app. This synergy between technology and convenience positions the card as a forward-thinking tool for the modern consumer.

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    Other Perks

    Beyond its rewards and tech features, the Sam’s Club® Business Mastercard® comes with an accessible application process. Prospective cardholders can apply through multiple channels, including in-Club services, the mobile app and even via Text-to-Apply. Plus, the tangible rewards are digitized, meaning no more waiting for paper checks. Instead, rewards are automatically loaded onto your membership card, streamlining redemption for online and in-club purchases or conversion to cash back—a testament to the card’s commitment to user convenience.

How the Sam’s Club® Business Mastercard® Compares

In this detailed comparison, we'll closely examine the features and benefits of two popular credit cards, providing insights to assist you in deciding which one aligns more closely with your financial goals and lifestyle.

How This Card Compares

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Sam’s Club® Business Mastercard®

  • Rewards rate: Earn 5% cash back on gas (up to $6,000 annually), 3% on dining and takeout and 1% on other eligible purchases
  • Welcome offer: Earn $30 statement credit when opening a Sam’s Club® credit card and making at least $30 in purchases within the first 30 days
  • Regular APR: 20.90% to 28.90% (variable)
  • Annual fee: $0
  • Intro APR offer: None
  • Best for: Ideal for frequent Sam's Club shoppers and those spending heavily on gas and dining, offering significant cashback and no annual fee, but best for those who pay their balance monthly to avoid high APR.
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Chase Freedom Unlimited

  • Rewards rate: 1%–5% cash back
  • Welcome offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year)
  • Regular APR: 20.49%–29.24% (variable)
  • Annual fee: $0
  • Intro APR offer: 0% intro APR on new purchases and balance transfers for the first 15 months (20.49%–29.24% variable after that)
  • Best for: Great for those aiming to maximize cashback in the first year and benefit from the introductory 0% APR, suitable for users who manage their finances to avoid higher APR after 15 months.

About Grace Pilling


Grace Pilling headshot

Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.

Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.


*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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