Sam's Club Business Mastercard
Synchrony Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Synchrony Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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..
- Top category
- Gas
- Effective value
- 5%
- Annual fee
- $0
Worth a look for gas spend if you need a business card and can use Sam’s Cash the way you redeem today. Best for spenders who put meaningful volume in gas and can earn 5x points. The welcome bonus can help if you can meet the spend requirement.
What does the Sam's Club Business Mastercard earn in each category?
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Sam's Club Business Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas.
Gas is the strongest category at 5% effective value (5x points at about 1 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Sam's Club Business Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% |
| Grocery Supermarkets and grocery stores | 1x points | 1% |
| Gas Gas stations and fuel | 5x points | 5% Top category |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Sam’s Cash 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.
- 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 5x points. Best for spenders who put meaningful volume in gas and can earn 5x points. 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 5x points. 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 5x points. 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 Sam’s Cash the way you redeem today.
Pros
- Strongest Madeen category is gas at about 5% effective (5x points).
- 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
- Sam’s Cash value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Sam's Club Business Mastercard welcome bonus?
In Madeen's catalog snapshot, the Sam's Club Business Mastercard welcome offer is 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 — confirm on the issuer application page before applying.
- Offer
- $30
- Terms (catalog snapshot)
- Get a $30 statement credit when you open a new account and make $30 in Sam’s Club purchases within 30 days.
Does the Sam's Club Business Mastercard have an annual fee?
The Sam's Club Business Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
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.
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Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Car Rental Insurance
$10/yrReimbursement for covered physical damage and/or theft of a rental vehicle with primary protection: 1-800-MASTERCARD.9
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard® Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
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$10/yrImpress clients and employees alike with exclusive PGA TOUR® experiences and access to other amazing golf benefits.
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Priceless Experiences®
$10/yrShare with your clients both in-person and digital experiences in dining, sports, entertainment and more in over 45 exciting destinations around the globe exclusively for Mastercard cardholders. Visit priceless.com.
Related encyclopedia topics
Common questions about the Sam's Club Business Mastercard
Where do cardholders spend most with the Sam's Club Business Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (5x), coffee (3x), fast food (3x) for the Sam's Club Business Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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.
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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Synchrony Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Synchrony Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
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