Sam's Club® Business Credit Card
Required Credit Score:
Excellent, Good
Excellent, Good
Offered by:
Synchrony Bank
Info about the Sam's Club® Business Credit Card has been collected by WalletHub to help consumers better compare credit cards. The financial institution did not provide the details.
Sam's Club® Business Credit Card's Rewards
- 5% on gas at gas stations and on gas at Sam’s Club (on the first $6,000 per year in purchases, then 1% on purchases after).
- 3% on dining and travel.
- 1% on other purchases.
Sam's Club® Business Credit Card's Key APRs & Fees
Purchase Intro APR
Not Offered
Transfer Intro APR
Balance Transfers Not Allowed
Regular APR
15.4% - 23.4% (V)
-
ANNUAL FEE
None
Sam's Club® Business Credit Card's Additional Info
-
MAX LATE FEE
$39.99
-
MAX OVERLIMIT
FEE
None
-
MAX PENALTY APR
29.99% (V)
-
GRACE PERIOD
20 days
-
ONLINE RESPONSE
No
-
CASH ADVANCE
RATE
20.5% - 26.4% (V)
-
CASH ADVANCE
FEE
3% (min $5)
-
FOREIGN
TRANSACTION FEE
None
-
SMART CHIP
Yes, chip-and-signature
- MasterRental, Purchase Assurance and Extended Warranty.
- Acceptance at all Sam’s Club and Walmart® locations nationwide.
at Synchrony Bank 's
secure site
secure site
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Customer Questions and Answers
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Sam's Club® Business Credit Card Reviews
Share your insights and review the Sam's Club® Business Credit Card.
Apr 12, 2016
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!!!!
Comment
Feb 07, 2016
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.… read more
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.… read more
Dec 21, 2015
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.… read more
Nov 29, 2015
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.… read more
Oct 12, 2015
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.… read more
Sep 24, 2015
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.
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.
Jul 07, 2015
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… read more
Customer service sucks
The credit card sucks
I'm really starting to hate Sam's Club !!!
Time to switch up the Cosco I guess… read more
Jun 06, 2015
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.
Mar 25, 2015
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.
Mar 20, 2015
I have had my account with Sam's club for a couple of years now. The credit card through Symphony bank, initially a Discover card now MasterCard, has never issued any rewards to me. Each time I called to find out about the rewards the story changed or they pushed the date out or just outright lied about sending the check. I just got off the phone with them and was told it was sent Feb 21. I asked to where they sent the check and Mike (Employee ID: 469952) stated it was sent to the address I gave them when I gave him in the beginning of my conversation. I stated I never gave an address, he verified my identity by asking me to verify the phone number associated with the account. He then asked what address I live at. I stated I would like to know where the check was sent. He stated he could not tell me due to security restrictions. I stated that I wanted to speak with his supervisor. I was transferred to "James" (supposed Employee ID: 1265) this was a lie and I knew it. James got on the line and I explained the situation and asked where the check was sent. James refused to tell me where the check was sent due to "security" even after I have verified my identity. I asked them to stop payment on this check that was sent and send one with a tracking number to the address on file, which should have been no issue. I was told they would not issue another check, and that they could only credit it back to my account and I would have to wait another year before receiving my rewards. I am now starting a better business report and hope that Sam's will terminate this contract. If you have experienced this type of occurrence please contact me as I will also be attempting to initiate a class action suit. Contact me at fatheradvocate@aol.com. Please pass this post to all you know at banking with this Symphony Bank or with accounts at Sam’s club… read more
Feb 03, 2015
I applied for the Card for the Cash Back Perks. I went into Sams club to apply specifically for the Sams Mastercard. I emplyee tried to sign me up multiple times and said I was not approved for the master card. From there they sent me to customer service where she then signed me up for the card. Come to find out she signed me up for the Store card with NO BENEFITS for a $3000 limit, HA!. I was furious, I had not given them permission to do so. I fought with phone customer service to have the card taken off of my credit and to close the account. I had them re-run my info for the master card and I was approved for $12,000 limit. Find it kind of funny I was orginally declined for the Master card but then I was approved for $12,000. I have perfect credit!
A month later I needed to update my name on the credit card, It will take 7-10 business days to get the card. What kind of BS is this. Chase can have a card out to me next day. WHAT THE HELL IS WRONG WITH SYNCHRONY BANK??? The customer service was rude and when I spoke to a supervisor she was just as rude. I have had nothing but problems with the customerservice since I opened this card. I wish I would have read the reviews before I opened a Card with Sams… read more
A month later I needed to update my name on the credit card, It will take 7-10 business days to get the card. What kind of BS is this. Chase can have a card out to me next day. WHAT THE HELL IS WRONG WITH SYNCHRONY BANK??? The customer service was rude and when I spoke to a supervisor she was just as rude. I have had nothing but problems with the customerservice since I opened this card. I wish I would have read the reviews before I opened a Card with Sams… read more
Sep 04, 2014
The customer service for this MasterCard which is issued by Synchrony Bank(aka formally GE Financial) is a real disaster!!! I believe they dragged people off the street to man the phones! Need I say more.
Aug 19, 2013
The Sam’s Club Business Card is not my favorite. Out of all the cards I own, I probably dislike this one the most. There are a few downsides to using this card. First of all the cash advance fee is a minimum of five dollars. I don’t how many other people often use cash advance, but I do, so this really bugs me. Secondly, the late fees and overlimit fees are too high for my taste. The few good things about this card are, one, there is no annual fee, and two, they have a nice rewards program. Really weigh the pros and cons before opening a Sam’s Business Card.… read more
Aug 15, 2013
I don't see why the Sam's Club card (same company as Wal-Mart) would use the Discover network. That is the biggest drawback of this card since Discover is not a popular card and is not accepted in many places. The rewards program is good but it is capped at a certain level. I'm not really feeling that, I think that if you use a credit card, there should be no limits on earning. There is no annual fee which is nice, but there are other problems. The cash advance fee is high and the grace period is really short. I think that this card could hurt people if they aren't really strong on their financials. The biggest drawback is the lack of balance transfers. I wish these would be allowed.… read more
Aug 15, 2013
The great thing about the Sam’s Club card is that you can only use it at certain places. I like a card that is not available to use basically at the store and not available to use everywhere else. The fact that it is only offered through Discover is a little disappointing, but it is still a good card. If you are a business owner, the car is also good because of the 2% that you get back after so many purchases. Overall this is a very good card for businesses or for regular users. I have owned my card for many years now and I love it. In contrast, the Sam’s Club card is much better than my regular Visa card because the interest rate is much lower.… read more
Aug 11, 2013
The first thing that is worth mentioning is that the Sam’s Club credit card is offered through the Discover network, which is slightly less popular than Visa, but effective all the same. It shouldn’t be an issue for concern, but it’s just to note that it deviates from the standard of most other credit card offers a bit. As for the actual value of the card, it seems perfect for the business owner who finds themselves purchasing in bulk. It seems like this card was developed to enhance the Sam’s club experience by offering base percentage rewards instead of using a points system. I like that they deal in percentages instead of points because it’s a more straightforward approach. The only qualm I have is that the maximum late fees are some of the highest I’ve seen, but I suppose that’s understandable for a business card. I suppose the expectation / rationalization is that owners will spend more each month. Overall I’d say that this is a great deal for business owners who already find themselves shopping at Sam’s Club.… read more
Aug 09, 2013
If you're a business owner and do a lot of purchases through Sam's Club, Sam's Club Business Credit Card
honestly isnt that bad for you. 2% back over a long time and many purchases at Sam's Club will net you a lot of savings. 1% for everything else isn't that bad, it just isn't what makes the card worth it. APR is alright too, probably could get better but it just is another credit card and you probably will find something better. The one downside is that it doesn't have an introductory rate. This card would be amazing if it had that but you can't get everything you wish from a card for a specific store.… read more
honestly isnt that bad for you. 2% back over a long time and many purchases at Sam's Club will net you a lot of savings. 1% for everything else isn't that bad, it just isn't what makes the card worth it. APR is alright too, probably could get better but it just is another credit card and you probably will find something better. The one downside is that it doesn't have an introductory rate. This card would be amazing if it had that but you can't get everything you wish from a card for a specific store.… read more
Aug 05, 2013
This credit card seems helpful if you're a business plus member at Sam's Club only, I wouldn't even consider it otherwise. The Sam's Club Business Credit Card offers 2% back on all purchases if you were a business, which is amazing. 2% is already unheard of almost for most cards (you do need to spend quite a bit to get the 2% back though), although the 1% cashback for a regular business member is not nearly as exciting, and equivalent to a regular card. If I was a business owner, I would much rather consider this card over my current TrueEarnings Card from Costco and American Express, but perhaps not the business version of the Costco American Express, which offers up to 4% back on gasoline, but only 1% on most purchases. I'd definitely consider this card strongly if I was a business plus member.… read more
Aug 02, 2013
Current members of Sam’s Club might want to consider getting a Sam’s Club Business Credit Card as a way to get a little extra cash back on your regular purchases. Since Sam’s Club only accepts Discover, Master Card and debit cards, chances are you are not able to take advantage of any Visa cards you have with high rewards programs on them. There is no annual fee for this card, but take into consideration that you are paying a yearly membership fee for the privilege of shopping in their store. If you are already making regular trips to Sam’s Club for your business though, you can earn 2% cash back as a Sam’s Club Business Plus Member. The card is also accepted as a normal Discover card at places other than Sam’s Club, and as a business owner it’s always good to have a Discover card in your corporate wallet.… read more
Aug 01, 2013
The Sam's Club card does not seem to be as generous as other cards available. I use an Amazon Rewards Visa and I earn 3% back on purchases made at Amazon. I feel that this cards 2% cashback reward for making purchases at Sam's Club is very low. I would prefer something a little more competitive to other cards available. However, the interest rates seem to be inline with my Amazon card so it is competitive in that aspect. In the end I don't think this is a card I would change to because the reward at the store are not that enticing.… read more
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Last updated on: August 1st, 2017 at 14:07
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Related Credit Cards
If you are interested in the Sam's Club® Business Credit Card, check out the following credit cards as well:
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.
Offer last updated: Aug 1st, 2017 at 14:07 ET