The Sam's Club Business Mastercard (Synchrony) is a business credit card from Sam's Club Business Mastercard (Synchrony). Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 22.90%–29.90% variable. Approval typically requires a credit score of 650-700 or higher. Rewards: 5% back on gas (up to $6,000/yr), 3% on dining, 1% on all other purchases. Employee cards. Sam's Club membership required.. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required).