Sam's Club Business Mastercard
The Sam's Club Business Mastercard from Synchrony Bank earns up to 5% effective value on gas in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Sam's Club Business Mastercard earn in each category?
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 5% effective value (5% back). That gas rate ranks higher than about 99% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 3% |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 5% back | 5% Top category |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Sam's Club Business Mastercard reward caps and conditions?
The Sam's Club Business Mastercard has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 3% back in Sam’s Cash on dining and takeout
- Earn 5% back in Sam’s Cash on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%) Capped at $6000.
Who should get the Sam's Club Business Mastercard?
The Sam's Club Business Mastercard fits spenders who put meaningful volume in gas and can earn 5% back. Best for spenders who put meaningful volume in gas and can earn 5% back. The welcome bonus can help if you can meet the spend requirement.
Sam's Club Business Mastercard fits spenders who put meaningful volume in gas and can earn 5% back. Madeen ranks its gas effective rate higher than about 99% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 5% back. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use cash back the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 5% effective (5% back).
- That gas rate ranks higher than about 99% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Business card — rewards and liability rules differ from consumer cards.
Does the Sam's Club Business Mastercard have an annual fee, and what's the welcome bonus?
The Sam's Club Business Mastercard has an annual fee of $0 and a foreign transaction fee of None. New applicants may see: Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
- Signup bonus
- Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.
What benefits come with the Sam's Club Business Mastercard?
The Sam's Club Business Mastercard includes Car Rental Insurance, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Car Rental InsuranceIncluded with Standard Mastercard
Reimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.9
- Global emergency servicesIncluded with Standard Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with Standard Mastercard
Enjoy a HealthLock for Mastercard® Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- Instacart BusinessIncluded with Standard Mastercard
Fuel your business with same-day delivery of snacks, supplies and more. Enjoy $0 delivery fees* with three free months of Instacart+ and $20 off your second order each month. Offer expires on 1/31/2027.
- Intuit® QuickBooks® Online and QuickBooks Online PayrollIncluded with Standard Mastercard
Save 30% on QuickBooks Online, QuickBooks Solopreneur or QuickBooks Online Payroll for 12 months.
- Intuit® TurboTax®Included with Standard Mastercard
Save 20% on the TurboTax solution that best fits your small business needs and can help get your best possible tax outcome.
- LuminaryIncluded with Standard Mastercard
Save 30% on an annual or monthly Luminary membership to access Luminary’s global professional education and networking platform. Offer expires on 11/30/2027.
- Mastercard GolfIncluded with Standard Mastercard
Impress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
Common questions about the Sam's Club Business Mastercard
Does the Sam's Club Business Mastercard have an annual fee?
The Sam's Club Business Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Sam's Club Business Mastercard?
Gas is the strongest Madeen category for the Sam's Club Business Mastercard at about 5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Sam's Club Business Mastercard charge foreign transaction fees?
The Sam's Club Business Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Sam's Club Business Mastercard welcome bonus?
The Sam's Club Business Mastercard welcome offer in our snapshot: Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Sam's Club Business Mastercard?
Madeen's catalog lists a typical credit range of Good for the Sam's Club Business Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Sam's Club Business Mastercard?
Rewards on the Sam's Club Business Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Sam's Club Business Mastercard compare to similar cards?
Compare the Sam's Club Business Mastercard against Sam’s Club Mastercard (5% on Gas, $0 fee); Sam’s Club World Elite Mastercard (Club members) (5% on Gas, $0 fee); Sam’s Club World Elite Mastercard (Plus members) (5% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Sam's Club Business Mastercard This card | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
Synchrony Bank | Gas | 5% | $0 |
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