GM Business Card Review

This dynamic GM Business is more than just a payment tool – it’s your gateway to unlocking a world of exclusive benefits and rewards tailored to meet the unique needs of your business.

Whether you’re looking to streamline your fleet management, optimize your purchasing power, or earn rewards on your business expenses, the GM Business Card has you covered. With special financing options, generous rewards, and valuable perks such as extended warranties and roadside assistance, this card is designed to empower business owners like never before. 

The GM Business Card offers unparalleled flexibility, convenience, and rewards to help you achieve your business goals. From financing your fleet purchases to earning rewards on your everyday business expenses, this card is designed to meet the diverse needs of businesses of all sizes.

CREDIT CARD

GM Business

 $750 bonus cash back  1% to 5% cash back

Put Your Expenses to Work

Watch an ad to apply for your card

High earnings rate

Earn rewards effortlessly with the GM Business Card, accumulating points on every eligible purchase, including fleet management expenses and vehicle purchases:

• 5% earnings on any GM qualifying purchase, such as GM Certified Service, parts and accessories purchased at GM dealerships or online and OnStar and Connected Services plans.
• 3% earnings on every purchase at gas stations, restaurants and office supply stores 
• 1% earnings on all other purchases.

Redemption

One of the standout features of this credit card is the incredible value of its points, which are always worth a penny and never expire as long as your account remains active. With such flexibility, you have a myriad of ways to redeem your points, including:

• Purchasing or leasing an eligible new GM vehicle: Redeem your points without limitations when you buy or lease a qualifying new GM vehicle at any participating dealership in the My GM Rewards program.
• Buying a certified pre-owned vehicle: Enjoy the freedom to redeem up to $1,000 per calendar year when you purchase a certified pre-owned Chevrolet, Buick, GMC, or Cadillac vehicle.
• Non-vehicle GM purchases: Make the most of your points by redeeming them without restrictions when you use GM certified service, make purchases of car parts and accessories at GM dealerships, subscribe to OnStar or Connected Service plans, or enroll in a SiriusXM subscription or protection plan.
• Gift cards: Treat yourself or others by redeeming up to $250 per calendar year toward gift cards from eligible stores and restaurants, adding even more value to your rewards.

GM Business Card benefits

Welcome offer

Experience the incredible welcome offer of the My GM Business Card, where new cardholders can earn an impressive 75,000 bonus points after spending $5,000 within the first 5 months of account opening. This translates to a substantial $750 in value that you can use towards any GM-related purchases, providing you with an instant boost to your rewards and savings.

Automatic Gold status

Forget about waiting to reach a three-year spend minimum of $45,000 on GM purchases to achieve Gold Tier status. Upon approval for the My GM Rewards Mastercard, you’ll instantly receive automatic Gold status. Earn a $100 statement credit when you spend $1,500 on gas or pay for six electric bills between January and December. With these benefits, you can maximize your rewards and enjoy even greater savings on your automotive expenses.

No fees

This card comes with no annual fee, ensuring that you can enjoy all its features without any additional costs. Plus, it has $0 foreign transaction fees and no cash advance transaction fees, providing you with even more value and flexibility when making purchases both domestically and internationally.

Introductory APR promotion

In addition to its no-annual-fee feature, the GM Business Card offers a 0% introductory APR for the first 12 months. This provides a valuable opportunity to invest in your business without worrying about interest charges during this period.

No impact to your credit score

Rest assured, applying for the GM Business Card won’t impact your credit score. This means you can explore the benefits and rewards of the card without any concerns about negative effects on your credit profile.

No expiring points

With the GM Business Card, your points never expire. This means you can accumulate rewards at your own pace, without the pressure of worrying about expiration dates.

No-cost employee card

Another remarkable feature of this credit card is its employee card functionality. You can issue an unlimited number of additional cards to your employees at no extra cost, further enhancing your rewards potential. Additionally, you have the flexibility to set individual spending limits for each employee card and easily track all individual spending activity.

Mastercard Easy Savings

Take advantage of the Mastercard Easy Savings program with the GM Business Card, allowing you to receive automatic rebates on eligible purchases made at participating merchants nationwide. This program offers a hassle-free way to save money on your business expenses, helping you stretch your budget further and maximize your savings effortlessly.

World Elite benefits

Unlock exclusive World Elite benefits with the GM Business Card, providing you with access to premium perks and privileges designed to enhance your business and lifestyle. From travel benefits and concierge services to VIP experiences and purchase protection, this elite status elevates your cardholder experience, ensuring you enjoy the highest level of service and convenience wherever you go. Say hello to a world of luxury and sophistication with the GM Business Card’s World Elite benefits.

Who can apply?

This credit card is tailor-made for individuals who meet specific criteria: you must be 18 years or older, own at least 25% of the business, and reside in the U.S. Additionally, you should have a valid driver’s license, have been in business for at least a year, and be able to provide your business bank statements or tax returns. While you can check for approval without affecting your credit score, a minimum credit score of 670 is required, indicating good creditworthiness.

How to apply?

Applying for a GM Business Card is easier than you think:

1. Go to the GM credit cards website and look for GM Business Card
2. Click on Apply Now
3. Read Terms and Conditions
4. Fill your personal and financial details
5. Submit your application

Frequently asked questions

How can I redeem my points?

You can redeem My GM Rewards points online or at your participating GM dealer. You can find step-by-step instructions from each reward in the Redeem section or chat with a Member Support Specialist if you still need assistance.

Do I need to pay to enroll in the My GM Rewards program?

Believe it or not, signing up is totally free and you don’t need to purchase anything. Having problems doing it? Find your participating dealer or the GM Rewards Member Support Center for assistance.

How do I check my GM Rewards Card balance?

You can check it online through Goldman Sachs website, by phone (1-833-773-0988) or by Goldman Sachs app.

What is the APR rate after 12 months?

After the introductory promotional period, your APR will be 19.24% to 29.24%, based on your

CREDIT CARD

GM Business

 $750 bonus cash back  1% to 5% cash back

Put Your Expenses to Work

Watch an ad to apply for your card

creditworthiness.