Barclays
GM Business™ Mastercard®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 100,000 bonus points |
| Rewards Rate | 3x-7x Business Card Points |
| Intro APR | 0% introductory APR for the first 9 billing cycles from the transaction date on all Qualifying GM Purchases greater than $499 made within 30 days from account opening. 0% promotional APR for the first 6 billing cycles from the transaction date on all Qualifying GM Purchases greater than $499 made after 30 days from account opening. |
| Regular APR | Purchases – 22.49% to 32.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Balance transfers – 22.49% to 32.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Cash advances – 33.49%. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater. The minimum monthly interest charge will be $1.00. Cash advance fee: 5% (min. $10). Foreign transaction fee: 3%. |
| Network | Mastercard |
About this card
The GM Business™ Mastercard® earns an overall rating of 2.6 out of 5.0, classifying it as a 'Fair' option. This card presents a highly specialized value proposition, making it exceptionally strong for a very narrow niche of businesses but significantly less appealing for general use. Its primary strengths include a compelling rewards structure for General Motors-related purchases (7x points), a respectable 3x points on all other spending, a generous 100,000-point sign-up bonus (for GM redemptions), and a $0 annual fee. These features, combined with an introductory APR offer on qualifying GM purchases, create a potentially attractive package for businesses deeply embedded in the GM ecosystem. However, these positives are heavily counterbalanced by several critical drawbacks. The card features an extremely high regular APR (22.49% to 32.49%), making it a poor choice for any business that anticipates carrying a balance. The rewards, despite high earning rates, suffer from severe redemption inflexibility; points are strictly limited to GM-related products and services, rendering them effectively worthless for businesses without substantial and ongoing GM expenses. Furthermore, the card includes a 3% foreign transaction fee and high balance transfer/cash advance fees. A significant concern is the issuer's reputation: as a relatively new offering from Barclays, the card inherits the widespread negative sentiment regarding Barclays' customer service, which introduces a substantial risk of frustrating account management and support experiences for cardholders. While it serves a very specific niche well in terms of earning, the combined effect of high APR, restrictive redemption, and potential customer service issues prevents it from achieving a higher rating.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- Unlimited rewards earning
- Employee cards available
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
- Limited rewards redemption options
What this card offers
Sign-up bonuses
- Earn 100,000 bonus points after spending $5,000 in the first 5 months of account opening.
Rewards
- Earn 7x Business Card Points for every $1 spent on eligible GM purchases when you use your GM Business™ Mastercard®.
- Earn 3x Business Card Points for every $1 spent on everything else. This includes business expenses, restaurants, travel and more.
Other features
- Use GM Business Card Points for many in-dealer items related to Chevrolet, Buick, GMC, Cadillac and other GM products and services – like eligible new GM or Certified Pre-Owned vehicles, GM Certified Service, GM Genuine Parts and more.
- There is no limit to the number of Business Card Points you can earn when you use the GM Business Mastercard for all your spending.
- Complimentary employee cards – By adding trusted employees as authorized users to your account, your company will reap the benefits from employee purchases, and you can control their spending limits.
- You have the power to control the spending limit of your employees.
- $0 Fraud liability – You are not responsible for any charges you do not authorize. Just one more way Barclays protects you and your business.
- Enjoy the flexibility of digital wallets – with Apple Pay and Google Pay, store your digital card securely.
Additional Notes
GM Business Card Points are not GM Rewards Program points and are not eligible for redemption through the GM Rewards Program. Points may only be earned and redeemed at GM dealers in the fifty United States and Washington, D.C. Points are not earned on discounts, rebates, credits, shipping fees, state inspection fees, warranty repair work or body shop repair orders. Qualifying GM Purchases means all GM purchases greater than $499 made with this credit card account on new or certified pre-owned vehicles or customer-paid Certified Service at a GM Dealership, GM Genuine and ACDelco parts purchased at a GM Dealership or online through GM websites, GM Accessories purchased at a GM Dealership or online through GM websites, SiriusXM transactions, GM Energy purchases, General Motors Company Store purchases, General Motors Insurance purchases and OnStar transactions as determined by the merchant identification number(s) provided by GM. Primary cardmember and business owner are financially responsible for all amounts due on the Account.