Sam’s Club members can now earn tiered cash-back rewards with the Sam’s Club Business Mastercard, issued by Synchrony Bank, as of February 19, 2026. The card offers 5% cash back on gas purchases up to $6,000 annually, then 1%, and 3% on dining and takeout. Plus members receive 3% cash back on Sam’s Club purchases, while Club members earn 1%.
The card carries a variable Annual Percentage Rate (APR) of 20.15% or 28.15% on purchases. There is no annual fee, and no foreign transaction fees are charged. Applicants generally necessitate good to excellent credit to qualify, typically a FICO® Score in the high 600s, though Synchrony Bank does not publish a minimum score.
Rewards are earned as Sam’s Cash and are deposited into a member’s account monthly. This Sam’s Cash can be used online, in the app, or at Sam’s Club locations to pay for purchases or membership fees, or can be redeemed as cash at the Member Services desk.
The card features a $50 statement credit welcome bonus for new cardholders who open an account between February 5 and February 25, 2026, and make at least $30 in eligible Sam’s Club purchases within 30 days.
An annual rewards limit of $5,000 in Sam’s Cash applies per calendar year. Fees include up to $40 for late payments, up to $41 for returned payments, and a cash advance fee of $5 or 3% of the transaction amount, whichever is greater.
During the application process, businesses will need to provide their name, address, phone number, Employer Identification Number (EIN), monthly estimated spend, and number of employees. Applicants can apply online with their Social Security number, triggering a hard credit inquiry. Alternatively, applications can be made in person at a Sam’s Club location using a company’s EIN, though a personal guarantee may still be required.
Synchrony Bank may report account activity to Equifax, Experian, and TransUnion, resulting in a hard credit pull. The Sam’s Club Business Mastercard includes Mastercard benefits such as MasterRental Insurance Coverage and Mastercard ID Theft Protection, though it does not offer purchase protection or extended warranty coverage.
Employees can be added as cardholders through the Sam’s Club account page. Additional cardholders must be present with a valid ID to pick up their cards at the Sam’s Club Membership Desk.
The Sam’s Club Business Mastercard is positioned as a good option for business owners who frequently shop at Sam’s Club, spend heavily on gas and dining, and prefer a card with no annual fee. Those seeking a 0% introductory APR or a large welcome bonus may uncover other business credit cards more suitable. Applicants who are not approved for the Sam’s Club Business Mastercard may be considered for the Sam’s Club Business Store Credit Card, which has more lenient requirements but can only be used at Sam’s Club and Walmart.
