Sam's Club® Business Credit Card Reviews: Is It Worth It? (2023)Reviews, rates, fees, and rewards details for The Sam's Club® Business Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership feesHigh rewards rate$30 initial rewards bonusNo foreign feeSpending caps on rewardsNo intro APR on purchasesNo balance transfers allowedRequires good/excellent credit
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Business - Earn Rewards (Store Cards)." A score of 10 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Info about the Sam's Club® Business Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
Rewards%APR218Reviews18FAQContact
RewardsAPRWalletHub ReviewFAQUser Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
Rewards
Receive $30 statement credit when you open an account and make a $30 purchase within 30 days of account opening. Terms Apply.
Earn 5% cash back on eligible gas worldwide, including gas at Sam's Club (on the first $6,000 per year, then 1% after).
Earn 3% back on dining and 1% for all other eligible purchases.
Plus members will earn 3% cash back on all Sam’s Club purchases, plus 2% in cash rewards on eligible in-club purchases.
Maximum of $5,000 in Cash Back rewards can be earned in a calendar year.
APR on Purchases
20.9% - 28.9% (V)
Balance Transfer
Balance Transfers Not Allowed
WalletHub Review
Sam's Club® Business Credit Card Pros & Cons
No membership fees
High rewards rate
$30 initial rewards bonus
No foreign fee
Spending caps on rewards
No intro APR on purchases
No balance transfers allowed
Requires good/excellent credit
Sam's Club® Business Credit Card's Additional Info
Can't find what you are looking for? Submit your question about Sam's Club® Business Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
You need a credit score of at least 700 to get the Sam's Club Business Credit Card. That doesn't guarantee that your application will be approved, but it can serve as a risk indicator to the credit card company. In other words, it shows how likely it is that you'll repay your debt.
However, credit card companies generally look at the big picture, which includes the number of delinquent accounts in your credit reports,...
You can enroll in online account management here: https://www.onlinecreditcenter6.com/consumergen2/conregistration.do . Please let us know if you have any other questions. Best of luck!
You can use your Sam's Business Credit Card anywhere Mastercard is accepted. This means basically any vendor that takes credit cards.
What's more, you even get 5% cash back at gas stations across the U.S. and Puerto Rico. Dining and travel purchases get you 3% cash back, and all other eligible purchases offer 1% cash back.
If you've lost your Sam's Club Business credit card, you can call 1-800-964-1917 or 1-866-220-0254 to report it. Your card will be blocked and you'll be able to request a replacement.
You could also log in to your Sam's Club Credit online account to report it. Click on the Services dropdown menu and select “Report Lost or Stolen Card”. Right below it you'll find the option to request a replacement card.
Yes, the Sam's Club® Business Credit Card does a hard pull on your credit report when you apply for the card. A hard pull usually results in a slight decrease in an applicant's credit score, but the effect only lasts for a short period of time. The hard inquiry allows the issuer to determine your credit risk and ultimately decide whether you'll be approved for an account.
Please note that if you apply with a personal guarantor, the application...
Share your insights and review for the Sam's Club® Business Credit Card
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12%
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3.6
218 reviews
218 reviews
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Michael Sadler @mhsxtra2016
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1 Star Rating
I would give this card a 0 rating if it was possible. I have been a business member at Sam's for 20 years and the MasterCard issued by Synchrony Bank is awful. I have an excellent credit rating and have always paid my card in full every month. These jerks have some kind of algorithm that shuts down your card when you least expect it. Then you have to jump through hoops trying to get it unlocked. Recently, I was remodeling my kitchen and buying high end appliances in my own town. Nothing unusual, because I frequently buy things costing thousands of dollars. They shut it down and when I tried to get it unlocked, they required me to use an impossible app from my smart phone that makes you take videos of your face and then photograph your driver's license. What an invasion of privacy! The app didn't work worth a damn and then permanently locked me out. The only way to unlock it is to write a letter to Synchrony Bank with a copy of your ID and a utility bill from the address on file. Then you have to wait up to another month to see if their lousy fraud unit will accept it. I hate this bank and its horrible customer service department. I wish Sam's would do business with another company. Don't set up scheduled payments on this card, because it will reject them when they randomly shut down your card. Although the Sam's card gives you 2% back once you spend over $1,000.00, I would recommend using a different card. There are other cards that give you 1-1/2% back with no annual fee and they don't treat you like a criminal just for using your card.
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Eric Reynolds @ericr_14
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1 Star Rating
HORRIBLE CARD, WORST I EVER HAD!! It took them sending 6 cards before they got my business name right. Their website is TERRIBLE, had terrible time creating an account and it is never up to date or accurate. Don't expect to search past statements online. Just found out they only pay rewards ONCE A YEAR!!! Ridiculous, and if you cancel your card you forfeit your rewards. Outrageous!!! Run!!!!
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Jeff McGrew @jeffm13
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1 Star Rating
Synchrony Bank lied to me when I called about my card being declined. I was lied to by the customer service rep and when transferred to the fraud unit I figured that the customer service rep told me a lie. The customer service rep would not tell me that I was being transferred to the fraud unit, said I needed to be transferred but would not tell me who or why I need to talk to someone else. Once I spoke to the fraud unit they said that the purchase that I was attempting to complete had aspects that were consistent with fraud. Now the first thing I thought was these guys that I want to do business with are con artist but when I ask the fraud person if they knew something that I should know she would not say anything but there was something about the transaction that was consistent with fraud.
I have had this card for a short time and as I look back on it. When I was in line to get the card the guy behind me was telling me a story about his card being denied several times and not working while he was on a trip. He was at Sam's because he was told that he needed to come in because of activities on his card. Of course I just believed he had problems but in reality he was experiencing what could and will happen to anyone doing business with Sam's MasterCard.
I have enjoyed the convenience of this card being a membership and credit card but I am going to change how I do business to avoid Synchrony Bank and their games.
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Elizabeth Kolenda @elizabethk_11
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1 Star Rating
For years we have only been using this as a back up card because we have so many problems with it. The website is out of date, and purchases take days to post. They keep putting a block on the card for suspicious activity without informing us, so we won't find out until it is declined at the worst possible times. The transactions that are blocked never seem to make sense either. It's not the large purchase out of town that is declined, but the monthly subscription that has been charged on the same day every month. So why was it suspicious this time? I just spent 22 minutes on the phone with customer service and couldn't get an answer. I think we are finally going to cancel the card. All the hassle is costing the business more than the rewards are saving us.
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Cynthia Simpson @cynthias_20
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4 Star Rating
I absolutely enjoy this card. I use it more at Walmart..lol I applied in Dec,2014 was approved for $437 for a Sam's Club Store Business card. I make pymts. a few times a month. In May, 2015, I requested a increase was denied 5 days later they increased my limit to $600, one month after that (June 2015) they increased it to $700, in November 2015 my new Credit Limit went up to $1100. Logging in to my account used to be hectic I've got used to it. Online pymts sometimes take up to 5 days to Post and takes just as long to come out of my bank acct. In store pymts. sometimes it posts instantly when paid in cash but can take up to 3/5 days. In all reality, just keep track of your balances. My last increase I was shocked because I still had a big Balance owed. Good Luck. Hope this helps.
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Patty Porter @pattyp2
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1 Star Rating
This is a horrible card. I have nothing but trouble with it. There is always something that comes up, where they have to change my number and get me a new card. I can appreciate the security, but then getting online to pay the bill works one time and then it doesn't. The website is outdated and hard to look at. If there's a problem and you call when you are away from the office, the security question (at least twice) had something to do with what my last payment was. I can't remember that off the top of my head. So needless to say, the card doesn't get used anywhere but Sams and maybe not then. worst card ever.
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Stephen Mazuchowski @stephenm_22
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3 Star Rating
This card offers no assistance in record keeping. No Annual statement like most other cards offer. Furthermore, the statements on line go back only a few months and if your card is replaced, all of the online history is gone.
If you use this card then keep your paper statements.
What is management thinking ? I keep getting offers for paperless statements but management is clueless how ineffective that is for business records.
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ZMac Patel @zmacp
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1 Star Rating
This is one of the worst cards out there. Please sams do somthing about this. I use it for my business. I get declined if I use it more than two times a day. Its so stupid. I have to call them and they say sorry it was suspicious activity!!! Omg chill out a bit people. And another thing that drives me insane is there online access. The website looks like it was made in 95. Customer service sucks The credit card sucks I'm really starting to hate Sam's Club !!! Time to switch up the Cosco I guess
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Malia Rzeplinski @maliar
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1 Star Rating
I have gotten more calls for being late and paying twice when I didn't need a payment. I have had no problem with ant of my other cards and every other month I have trouble with this one at SAMs club. I have never had another card make me so angry but I gotta say the rep in philapenes was very nice. I will only pay cash at SAMs anymore.
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ZMac Patel @zmacp
Omg they drive me crazy. I absolutely hate this card
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Micki Fry @michael.frey.12532
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1 Star Rating
Their interest rates are terrible. You have to have an 825 credit score to get their best. I have almost an 800, and the interest rate they gave me is 22.9%. My other cards are around 9-12%. Not worth the rewards when you can get similar ones with cards that offer lower interest rates, like Costco and AARP.
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Review Sam's Club® Business Credit Card Reviews
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