Sam's Club Business Mastercard
- Annual Fee
- $0
- statement credit · Welcome Bonus
- $60
- Top Rate
- 5%
Terms checked against the issuer on November 3, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Mastercard Standard
- Rewards Currency
- Sam’s Cash
- Point Valuation
- 1¢ (cash back)
- Credit Required
- Good
Welcome Offer
Bonus: $60 statement credit
Spend: $30
Period: 1 months
Earning Rates
- 5%
Gas Stations
Earn 5% back in Sam’s Cash on gas & EV charging (first $6,000 per year, then 1%)
Cap: $6,000/annual
- 5%
Electric Vehicle Charging
EV charging row: same tier and same cap as gas, per the issuer's wording: "in Sam’s Cash™ on gas & EV charging" (TASK-0714).
Cap: $6,000/annual
- 3%
Dining
Earn 3% back in Sam’s Cash on dining and takeout
- 3%
Sams Club
Earn 3% back in Sam’s Cash on Sam’s Club purchases for Plus members. Club members earn 1% cash back
- 1%
All Other
Earn 1% back in Sam’s Cash on all other purchases (card Sam’s Cash earnings capped at $5,000 per calendar year)
Benefits & Perks
Insurance & Protections
2 protectionsZero Liability on unauthorized transactions
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
24/7 lost/stolen card assistance worldwide
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Dining Out
3% cash back at restaurants
$3 back on a $100 dinner
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3%, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $60 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Membership required | Only current Sam's Club members can apply; the card doubles as your membership card. |
Payment Terms
| Foreign Transaction Fee | $0 |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page: Status | |
| Synchrony Financial | — | Synchrony Financial |
| Issuer Page | Issuer Page: Welcome offer |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
