Sam's Club® Business Store Card Reviews: Is It Worth It? (2026)Reviews, rates, fees, and rewards details for The Sam's Club® Business Store Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees$30 initial rewards bonusQualify with fair creditHigh regular APR
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 - Improve Credit by Paying in Full Each Month." A score of 5 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.
The Sam's Club® Business Store Card is worth considering if you’re a small business owner, you have fair credit personally (640-699 credit score), and you belong to Sam’s Club. This credit card offers a $30 initial bonus and doesn’t charge an annual fee, so it could save you money, and it works at Walmart in addition to Sam’s Club. It also doubles as your Sam’s Club membership card for added convenience. Info about the Sam's Club® Business Store Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.0/5
137 reviewsRead and write reviews
Editor’s Review
2.2/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.5
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Business - Improve Credit by Paying in Full Each Month” for this card.
Fees
5.0
Rewards
0.0
Cost
4.5
Other Features
0.0
2.5/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Excellent Credit, Good Credit, Fair Credit
Annual Fee
$0
APR on Purchases
27.15% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
Receive a $30 statement credit when you open an account and spend $30 on Sam’s Club purchases within the first 30 days. Terms Apply.
Sam's Club® Business Store Card's Additional Info
Acceptance at all Sam’s Club and Walmart® locations nationwide.
The Sam's Club® Business Store Card is worth considering if you’re a small business owner, you have fair credit personally (640-699 credit score), and you belong to Sam’s Club. This credit card offers a $30 initial bonus and doesn’t charge an annual fee, so it could save you money, and it works at Walmart in addition to Sam’s Club. It also doubles as your Sam’s Club membership card for added convenience.
You’re still most likely to conclude that this card is not for you. It does not offer rewards, other than that small initial bonus, and it has a high interest rate. In contrast, the best store credit cards offer 5% - 10% back on purchases, and they too require just fair credit for approval. People with fair credit may be able to qualify for a credit card with a 0% introductory interest rate, too.
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 - Improve Credit by Paying in Full Each Month." A score of 5 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.
Editor’s Rating
2.2
User Reviews
3.0
Market Comparison
2.5
fees: 5.0
rewards: 0.0
cost: 4.5
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
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 5 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.
Editor’s Rating
4.8
User Reviews
3.8
Market Comparison
4.0
fees: 5.0
rewards: 2.4
cost: 5.0
Other Features: 0.0
4.1WalletHub Rating
WalletHub Rating
4.1
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." A score of 5 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.
Editor’s Rating
4.2
Market Comparison
4.1
fees: 3.8
rewards: 4.3
cost: 4.4
Other Features: 0.0
(137)
(190)
(1)
annual fee$0
annual fee$0
annual fee$0
rewards rateN/A
rewards rate 1 - 5% Cash Back
rewards rate 2% Cash Rewards
bonus offer$30
bonus offerNone
bonus offer $500 Cash Rewards
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Can't find what you are looking for? Submit your question about Sam's Club® Business Store Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The Sam's Club Business Store Card does not report to Dun & Bradstreet directly.
It reports to the three major consumer credit bureaus, TransUnion, Equifax, and Experian. The TransUnion data is then relayed to Dun & Bradstreet for inclusion in their analysis.
With that being said, it's worth noting that your personal credit history (and thus your personal credit report and score) will be more important than your business-specific credit when it comes time to apply for a small business credit card. Most major lenders will also hold you personally liable for unpaid balances.
You can learn more about business credit reports and scores in our two guides on the topic:
The Sam's Club® Business Store Card normally uses TransUnion for approval, though Synchrony bank sometimes uses reports from Equifax or Experian, according to anecdotal evidence. Synchrony bank checks your personal credit history because this card requires a personal guarantee. This means that you are personally liable for any debts the business cannot pay.
Key Things to Know
The Sam's Club® Business Store Card requires fair credit or better.
When you apply, Synchrony bank will perform a hard inquiry on your...
To activate your Sam's Club® Business Store Card, call the activation number that came with your card or complete the process online via Synchrony Bank's website. Your new card will be ready to make purchases in just a few moments, regardless of which activation method you use. It's best to activate your card as soon as possible, though you're not required to do so immediately.
How to Activate Your Sam's Club® Business Store Card
Yes, you can get the Sam's Club® Business Store Card without an SSN if your company is successful. More specifically, you can use just your company's taxpayer ID to apply, if your company meets the following criteria:
Annual sales or revenues exceed $5 million
Company age is at least 2 years
Company employs more than 10 individuals
The company is not a partnership or proprietorship
Yes, the Sam's Club® Business Store 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.
If you apply using only your business Taxpayer ID number, then the...
Share your insights and review for the Sam's Club® Business Store Card
5
7%
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3
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3.0
137 reviews
137 reviews
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Cynthia Simpson @cynthias_20
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5 Star Rating
I absolutely enjoy this card. I use it more at Walmart.. lol I applied in Dec,2014 was approved for $437 CL.. 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 but 5 days later they increased my limit to $600, One month after that in June they increased it to $700 5 months later 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 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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Jenn Reeves @jenn_getsinger
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5 Star Rating
I love having our Sam's store card! As someone who helps my husband work in ministry, using this card has been a huge help to the work that we do. When planning events for church, Sams is the best because I can find everything that I need in bulk. For the business of ministry, having a card for Sams has been a wonderful thing. I can always count on sams to have what i need when I need it for the various events that I may need to plan for our church.
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1
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Roxane Mozden @roxane.parolan
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5 Star Rating
Sam's credit is the best credit because other than that you can shop in bulk and save a bunch of money. At the same time if you are waiting to get paid next month you can always use your Sam's credit card and pay it right through the cashier, and the good thing about Sam's credit plus I got to get 20 dollars worth of saving, while applying it at the same time you'll get to get savings on your produce, 40 percent discount on your prescription glasses, 40 percent discount on your medicine if it's generic and 8 percent discount on your branded medicine. The people who work there are always helpful and very respectful. And if you buy appliances from them being a plus member saves you a lot of dollars and I got my insurance for my cellphone from them because they can guarantee me that if anything happens to my phone they can replace it for me which is awesome by the way. So all in all it's a win win situation. I will always recommend this card to my friends and you won't get charged if you pay in full amount plus you get to shop earlier than normal if you are a plus member and don't forget the cash back that you'll be getting from them.
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2
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Scott Molly @xsyphenx
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4 Star Rating
I got my sams business store card back in 2009 when I was operating my own lawn business. I was really surprised at how awesome it was. I never had any issues with them over charging me for stuff. the apr rate is kind of high at 30% but what is 30% anyways! I have since moved on to costco but it was great to have back when I had my own business. I strongly suggest everyone to get one the membership fee wasnt a whole lot.
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0
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Jester O Court @jestero.court.7
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2 Star Rating
The Sam’s Club Business Store Card seemed (at least when I first obtained it) to be full of many appealing options – primarily being able to isolate charges for household products including food onto one credit card statement. The appeal of any options soon faded rapidly as I found myself over-spending in some instances for items that I would have otherwise never have purchased due to the large stock sizes of most all Sam’s Club merchandise. Then to worsen the issue even more, purchases for home staple items like cleaning products, food, and other similar items – if the balance was not paid in full – were being tagged with an interest rate of 21.9% (V), all but eliminating any benefits of saving money purchasing products in bulk.
When I incorporated the fact that many of these products could be purchased on sale at standard department stores and grocery chains – by using another form of credit card that paid me some sort of rewards perk – the money saved shopping at Sam’s Club was simply not what I had anticipated. Adding up all the positives and negatives, the Sam’s Club Business Store Card has proven essentially useless, and has therefore met the proverbial “scissors of death”.
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Comment
0
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Tyler McCray @collecting_stars
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4 Star Rating
I will never regret signing super for Sam's Club. I do most of my shopping there and I am never let down by the prices or what they have stock. It's a great place to try new recipes while shopping also. The price of the membership isn't bad at all but all your money will go into buying things in bulk! I still find it worth it. It cuts down my shopping time about 30%. It's easy to use and it's my favorite. Finding stores can be a problem sometimes though but other than that it’s amazing. I would highly recommend this to everybody.
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Comment
1
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Paul Lane @paul_lane_921
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4 Star Rating
I found having and using this card to be a pleasant experience overall. Not having to carry two cards is very convenient (it's also the membership card one uses to get into the store and to activate the purchase process). Even though you save a lot of money at Sam's Club, you still can rack up a hefty bill quickly buying things in bulk, so having a little bit more flexibility in the shopping process is nice. The interest rate is not too bad, and the limit is enough to help out a family while also preventing them from getting their credit completely out of control. If you are a Sam's Club customer, then there's no reason not to apply for the Sam's club credit card. it will make the experience much better.
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Comment
0
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Nellie Humphreys @nellieh
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5 Star Rating
I really like this card. It is a great card. I have had no problems with this card. I have used it many times in the past. I like this card for several reasons. The first is that it is easy to use. I simply give it to the cashier and it is approved within seconds. The second is that I can access my card balance online. This is really convenient for me. The third is that Sam’s Club is a great place to show and get good deals on bulk items. I would not have sign up for this card if I were not a member at Sam’s Club. Overall, I would recommend this card to anyone who shops at Sam’s Club.
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+ 129 WalletHub users submitted a rating without writing a full review
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* The information about the following cards has been independently collected by WalletHub: Amazon Business Prime American Express Card, Home Depot® Business Credit Card, and Sam's Club® Business Store Card.
2026 WalletHub Awards
Sam's Club® Business Store Card is an Editor's Pick for:
