Barclays GM Business Card

Quick Snapshot

• Annual Fee: $0
• APR: 22.49%–32.49% variable
• Rewards: 7x on GM purchases, 3x on everything else
• Bonus: 100,000 points after $5,000 spend in 5 months
• Best For: Business owners with GM fleets, contractors, sales professionals
• Credit Needed: Good to Excellent Business Credit (690+)

Overview

The GM Business Mastercard is a powerful business rewards card tailored for companies and entrepreneurs with General Motors vehicle fleets or significant GM purchasing needs. With an impressive 7x points on eligible GM purchases and a robust 3x points on all other business expenses, this no annual fee card delivers substantial value for businesses investing in vehicles, service, and everyday operations.

What sets this card apart is its massive welcome bonus—100,000 points after spending just $5,000 in the first five months. This bonus alone is worth approximately $1,000 when redeemed toward GM vehicles, certified service, or genuine parts, making it one of the most generous business card offers in the automotive space.

Beyond the welcome bonus, the card provides promotional 0% APR financing on qualifying GM purchases, offering businesses valuable cash flow flexibility when acquiring vehicles or managing large service expenses. Whether you operate a delivery fleet, sales team with company cars, or contracting business requiring reliable transportation, the GM Business Mastercard transforms necessary vehicle expenses into meaningful rewards that reduce your total cost of ownership.

Importantly, GM Business Card Points are separate from the consumer GM Rewards program but offer equally valuable redemption options at GM dealerships for vehicles, service, parts, and accessories.

APR Breakdown

• Purchase APR: 22.49%–32.49% variable (based on business creditworthiness)
• Promotional GM Purchase APR: 0% intro APR for 9 months on qualifying GM purchases over $499 made within first 30 days of account opening
• Subsequent GM Purchase APR: 0% intro APR for 6 months on qualifying GM purchases over $499 made after first 30 days
• Balance Transfer APR: 22.49%–32.49% variable
• Cash Advance APR: 32.49% variable
• Penalty APR: None specified

Note: The promotional 0% APR on GM purchases provides critical financing flexibility for businesses acquiring vehicles or managing major service expenses. However, the standard APR is high, so paying balances promptly is essential.

Benefits Overview

Business GM Purchase Benefits

• 7x points per dollar on eligible GM purchases (vehicles, service, parts, accessories)
• 0% intro APR for 9 months on qualifying GM purchases over $499 within first 30 days
• 0% intro APR for 6 months on subsequent qualifying GM purchases over $499 after first 30 days
• Points redeemable toward new GM or Certified Pre-Owned vehicles for business fleet
• Points usable for GM Certified Service and GM Genuine Parts
• Redeem for GM accessories and business vehicle customization

Business Expense Benefits

• 3x points per dollar on ALL other business purchases (office supplies, fuel, travel, dining, etc.)
• 100,000 bonus points after $5,000 spend in first 5 months (worth ~$1,000)
• Customizable spending limits for authorized user/employee cards
• Add authorized users (employees) to consolidate business spending
• Detailed monthly statements for simplified expense tracking and accounting
• Works everywhere Mastercard is accepted

Business Management Tools

• Year-end summary statements for tax preparation
• Ability to download transaction history
• Online account management and mobile app access
• 24/7 customer service with dedicated business support
• Separate business credit line (doesn't affect personal credit utilization)
• Purchase tracking and reporting tools

Mastercard Business Benefits

• Zero fraud liability protection
• Mastercard ID Theft Protection
• Travel and emergency assistance services
• Roadside assistance dispatch
• Digital card access for immediate business use

Rewards & Earning Structure

• 7x points per dollar on eligible GM purchases (dealership, service, parts, accessories)
• 3x points per dollar on all other business purchases (office supplies, fuel, restaurants, travel, etc.)
• No caps or limits on points earned
• Points never expire as long as account remains open and in good standing
• Redemption: Use points in-dealership for GM vehicles, service, parts, and accessories by providing last name, zip code, and last 4 digits of card
• Separate from consumer program: GM Business Card Points cannot be combined with consumer GM Rewards points

GM Business Card Points are valued at approximately $0.01 per point when redeemed for GM products and services, meaning 10,000 points = $100 toward a business vehicle or service expense. The 100,000-point welcome bonus provides approximately $1,000 in value—essentially a $1,000 discount on your next fleet vehicle or a year of free maintenance.

Welcome Bonus

Earn 100,000 bonus points after spending $5,000 on purchases within the first 5 months of account opening.

This substantial welcome bonus is worth approximately $1,000 when redeemed toward GM vehicles, certified service, or genuine parts. The $5,000 spending requirement over five months ($1,000/month average) is reasonable for most businesses with regular operating expenses. For a business purchasing or leasing a GM vehicle, this bonus effectively reduces the transaction cost by $1,000, while service-intensive operations can use it to offset an entire year of maintenance expenses.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: Not specified (likely 3%, check terms)
• Balance Transfer Fee: Either $5 or 5% of the amount transferred, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40
• Authorized User Fee: $0

Who This Card Is Best For

Ideal For

• Business owners with GM fleet vehicles requiring regular service and maintenance
• Sales organizations providing company vehicles to sales representatives
• Contractors and construction businesses needing reliable work trucks (Silverado, Sierra)
• Delivery and logistics companies operating GM commercial vehicles
• Real estate agents driving for client showings and property visits
• Businesses planning fleet expansion with GM vehicles
• High-spending businesses wanting 3x on all business expenses
• Service-intensive operations with significant vehicle maintenance costs
• Companies seeking promotional financing for large vehicle-related purchases
• Entrepreneurs building business credit while earning valuable rewards

Not Good For

• Non-GM fleet operations using other manufacturer vehicles
• Businesses preferring flexible redemption (points locked to GM)
• Those seeking cash back or travel rewards for business spending
• Startups with minimal spending (won't maximize rewards value)
• International businesses (likely foreign transaction fees)
• Companies wanting premium travel benefits or transfer partners
• Those carrying balances (high 22–32% APR negates rewards)
• Businesses requiring extensive purchase protection or insurance benefits

Key Pros & Cons

Pros

• No annual fee reduces business overhead costs
• Industry-leading 7x earning on GM purchases (vehicles, service, parts)
• Strong 3x earning rate on ALL other business purchases
• Massive 100,000-point welcome bonus worth ~$1,000
• Promotional 0% APR for 9 months on GM purchases over $499 (first 30 days)
• Subsequent 0% APR for 6 months on GM purchases over $499 (after 30 days)
• Points redeemable toward fleet vehicles, service, parts, accessories
• No caps or limits on rewards earned
• Points never expire with active account
• Free authorized user cards for employees with customizable limits
• Year-end summaries simplify tax preparation
• Builds business credit separate from personal credit
• Works everywhere Mastercard is accepted

Cons

• Points only redeemable within GM ecosystem (no cash back or travel options)
• High variable APR (22.49%–32.49%) if carrying balances
• Limited value for businesses without GM vehicles
• Points cannot be combined with consumer GM Rewards program
• Points cannot transfer to airline or hotel partners
• Foreign transaction fees likely apply (check terms)
• Cash advance APR is expensive (32.49%)
• No traditional business travel benefits or lounge access
• Redemption requires dealership visit or phone call
• Limited purchase protection compared to premium business cards

Alternatives to Consider

Card	Best For	Annual Fee	Rewards	Welcome Bonus
Capital One Spark Cash Plus	Flat-rate cash back	$0 (for first year)	2% unlimited	$1,200 (new offer)
American Express Blue Business Cash	Simple business cash back	$0	2% on first $50K/year	$250 after $3K spend
Chase Ink Business Unlimited	Flexible business rewards	$0	1.5% unlimited	$750 after $6K spend
Wells Fargo Business Platinum	Extended 0% intro APR	$0	1.5% on first $1K/month	Varies

How the Rewards Add Up

Example Annual Value

Assuming you operate a business with GM fleet vehicles spending $30,000 annually:

Category	Annual Spend	Reward Rate	Earned Value
GM service/parts/vehicles	$8,000	7x points	56,000 points ($560)
Fuel for business vehicles	$6,000	3x points	18,000 points ($180)
Office supplies	$3,600	3x points	10,800 points ($108)
Business travel & hotels	$4,800	3x points	14,400 points ($144)
Dining & client entertainment	$3,600	3x points	10,800 points ($108)
All other business expenses	$4,000	3x points	12,000 points ($120)
Welcome bonus (first year)	—	—	100,000 points ($1,000)

First Year Total Value: $2,220
Ongoing Annual Value: $1,220

No annual fee to subtract = $1,220 net annual value

For businesses with larger GM spending—such as purchasing a new fleet vehicle at $40,000—you'd earn 280,000 points ($2,800) on that single transaction, dramatically reducing your net vehicle cost.

Fleet Expansion Example: A business purchasing two GM work trucks at $35,000 each ($70,000 total) would earn 490,000 points ($4,900), plus the 100,000-point welcome bonus—essentially receiving $5,900 in future GM service and parts for free.

Should You Get This Card?

You Should Get It If...

• You operate a business with one or more GM vehicles requiring regular maintenance
• You're planning to purchase or lease new GM fleet vehicles for your business
• You want to earn rewards on all business expenses with strong 3x earning
• You need promotional 0% financing for large GM vehicle or service purchases
• You want to build business credit separate from personal credit
• You always pay balances promptly to avoid the high APR
• You value a massive 100,000-point welcome bonus worth ~$1,000
• You operate a service-intensive business with significant vehicle maintenance costs
• You want to add employee cards to consolidate and track business spending
• You're a GM fleet loyalist committed to the brand long-term

You Should Skip It If...

• You don't use GM vehicles for business operations
• You prefer flexible cash back redeemable anywhere
• You need rewards that transfer to airline or hotel programs
• You require extensive business travel benefits or lounge access
• You carry credit card balances (22–32% APR negates rewards value)
• You operate internationally frequently (likely foreign transaction fees)
• You want premium purchase protection and extended warranty benefits
• Your business has minimal spending (won't maximize rewards)
• You prefer other automotive brands over GM

Apply Now

Apply for GM Business Card

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Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.