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. After that, your APR will be 22.24% to 32.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. 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. After that, your APR will be 22.24% to 32.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. |
| Regular APR | Purchases – 22.24% to 32.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Balance transfers – 22.24% to 32.24%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for cash advances – 33.24% 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 and fee: 5% (min. $10). Foreign transaction fee: 3%. |
| Network | Mastercard |
About this card
The GM Business Mastercard receives an overall rating of 2.7 out of 5.0. While the card offers a compelling rewards structure for businesses heavily invested in the GM ecosystem, its high APR and limited reward redemption options significantly restrict its overall value. The absence of an annual fee and the presence of a signup bonus are positive aspects, but they are overshadowed by the card's drawbacks. The uncertainty surrounding the issuer transition from Marcus to Barclays also impacts the overall assessment. The card is best suited for businesses with substantial and consistent GM-related expenses, while other business owners should explore more versatile options.
Pros & Cons
What's great
- No annual fee
- Introductory APR period on qualified purchases
- Generous sign-up bonus
- High rewards rate with no earning caps
- Complimentary employee cards with spending controls
- Fraud protection
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
- Rewards are specific to GM products and services
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
- 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.
- 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.
- 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.
- $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.
- You are in control You have the power to control the spending limit of your employees.
- Make the GM Business Mastercard your everyday credit card for gas, restaurants, travel, shopping and more.
Additional Notes
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.