GM Business Card Used to Earn or Redeem Points

GM BUSINESS™ MASTERCARD®

The GM Business™ Mastercard® rewards small business owners with special benefits. Build Earnings toward an eligible, new GMC, Chevrolet, Buick, or Cadillac vehicle† for the job. See Program Rules.
GM Business Card Used to Earn or Redeem

APPROVED CARDMEMBER OFFER

Get $750 in Bonus Earnings after spending $5,000 on the My GM Business™ Mastercard®† in the first 5 months.

INTRODUCTORY PURCHASE APR

0% Intro APR for the first 12 months†; thereafter variable APRs range from 19.24% to 29.24%.

ANNUAL FEE

$0†

Clicking Apply Now will take you to Goldman Sachs Bank website to apply for a GM Business™ Mastercard®. Application is subject to the Goldman Sachs Terms of Use and Privacy Policy.

APPLY NOW

PUT YOUR EXPENSES TO WORK

Earn up to 5% toward the purchase or lease of an eligible, new GMC, Chevrolet, Buick, or Cadillac vehicle.†
Redeem and Earn When Taking Your Vehicle in for Service

5% Earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories and paid Certified Service at authorized GMC Dealers.
Woman Fueling Her GMC Vehicle Using Her GM Business Card

3% Earnings† on purchases at gas stations, restaurants and office supply stores. 
Woman Paying Restaurant Bill Using Her GM Business Card

1% Earnings on all other purchases.

BENEFITS

Men Sitting in Bed of GMC Sierra Truck with Hiking Gear

EARN AND REDEEM

There’s no limit to the amount of Earnings you can build up or redeem toward an eligible, new GM vehicle. Earnings don’t expire as long as your Account stays open and in good standing.
Family Setting Up Camping Tents Next to Their GMC Sierra Truck

COMBINE OFFERS

Combine Earnings with most current vehicle offers for more potential value.
Woman Paying Her GM Business Card Statement Online

NO-COST EMPLOYEE CARDS

Add employee cards to your Account, set individual spending limits and track all individual spending activity – all at no additional cost.
Woman Reviewing Her GM Business Card Statement

NO ANNUAL FEE†

No annual fee and no foreign transaction fee.
Woman Checking Her GM Business Card Balance Online

MASTERCARD EASY SAVINGS®  

The Mastercard Easy Savings Program®† allows you to save on everyday expenses when using your enrolled Mastercard business card on qualified purchases at participating merchants nationwide. Learn more about the Mastercard Easy Savings® Program.

HOW TO REDEEM

GM Business Card 1 Icon

CHOOSE

CHOOSE

Choose your eligible, new GMC, Chevrolet, Buick, or Cadillac vehicle at a participating GM dealership.

Choose your eligible, new GMC, Chevrolet, Buick, or Cadillac vehicle at a participating GM dealership.
GM Business Card 1 Icon

CHOOSE

Choose your eligible, new GMC, Chevrolet, Buick, or Cadillac vehicle at a participating GM dealership.
GM Business Card 2 Icon

AGREE

AGREE

Agree on your best price with your dealer after taking advantage of vehicle offers.

Agree on your best price with your dealer after taking advantage of vehicle offers.

GM Business Card 2 Icon

AGREE

Agree on your best price with your dealer after taking advantage of vehicle offers.

GM Business Card 3 Icon

DEDUCT

DEDUCT

Deduct your Earnings plus any exclusive Cardmember offers from your agreed upon price.

Deduct your Earnings plus any exclusive Cardmember offers from your agreed upon price.
GM Business Card 3 Icon

DEDUCT

Deduct your Earnings plus any exclusive Cardmember offers from your agreed upon price.

ALL RATES AND FEES 

Annual Fee

$0

Introductory Purchase APR

0% on purchases for the first 12 months

Purchase APR

19.24% to 29.24% variable

Transfer APR

19.24% to 29.24% variable

Cash Advance APR

29.99% variable

Transfer Fee

$0

Foreign Transaction Fee

$0

Cash Advance Fee

$0 

Late Payment Fee

Up to $40

HOW WE WILL CALCULATE YOUR BALANCE:

We use the daily balance method (including new Transaction).

PRIME RATE

Variable APRs are based on the 14.24% - 24.24%; Prime Rate as of 3/31/22.

For New York residents: For more information, call Issuer at 877-255-5923. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. Contact the New York state department of financial services at 1-800-342-3738 or http://www.dfs.ny.gov.

IF YOU’VE GOT A QUESTION, WE’RE HERE TO HELP.

Find answers to your questions in the Support section. Not finding what you’re looking for? Contact a dedicated Member Support Specialist here.

GET SUPPORT

My GMC Rewards Program Terms & Conditions. | My GMC Rewards Card Program Rules. | GM Extended Family Card Program Rules. | GM Business Card Program Rules. | California Residents: Notice of Financial Incentive.

GM Business Card Earnings Eligibility
GM Business Card Earnings are those reflected as of date indicated and are subject to additional purchases, returns and redemptions. Earnings are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees. Earnings may not be used with some offers or on the purchase of certain vehicles, including any vehicle sold as a GM Fleet vehicle or those sold or obtained at auction. See your authorized GM Dealership for eligibility. Other exclusions may apply.  Please see the GM Business Card Program Rules that are applicable to your account for terms, conditions, exclusions and limitations.   Earnings will be applied based on the merchant category code used by the merchant who reports a transaction. For Current Earnings, visit gmcard.com or call 1-833-773-0990.

ESB Offer Business Card
Subject to credit approval. Offer valid for new GM Business Card members who spend $5,000 or more in eligible purchases in their first 5 months after opening an account. Limit one offer per new card member. “Purchases” do not include cash advances or other cash-like transactions, balances transfers, ATM withdrawals, savings bonds, finance charges or fees. Returns of purchases made during your offer period may impact your eligibility and bonus Earnings. Bonus Earnings are equal to $750 only when redeemed for the purchase or lease of a new vehicle at GM. Earnings may not be redeemed for any other use. Bonus Earnings will be credited to your GM Business Card account within two billing cycles after $5,000 in eligible purchases have posted to it during the offer period. To be eligible for this offer, card account must be open and in good standing at time of fulfillment. See the GM Business Card Earnings Program Rules for more details. Goldman Sachs Bank USA reserves the right to modify or revoke offer at any time. If Goldman Sachs Bank USA determines that you have engaged in or plan to engage in abuse, fraud or gaming in connection with this offer, you will not be eligible for this offer, and any bonus Earnings awarded to you may be revoked. Issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Business Card APR
0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from 19.24% to 29.24% based on creditworthiness. Balance transfers are not available at this time. Cash advances variable APR of 29.99%.  Up to $40 late penalty fee. Rates as of 8/1/23. Rates and terms here:  https://www.marcus.com/us/en/credit-cards/gm-cards/rates-and-fees/business

3% Gas 
Subject to credit approval. Cardmembers earn 3% Earnings for every $1 spent on eligible purchases at merchants whose primary line of business is classified as: 1. Automotive Gasoline: Gas stations that primarily sell automotive gasoline and diesel fuel that can be purchased at the pump or inside the station. Excludes gasoline purchases at warehouse clubs, supermarkets, superstores, truck stops, commercial fuel distributors or home heating companies. 2. Restaurants: Eat-in dining, cafes, bars, lounges, fast food restaurants. Excludes purchases at bakeries, caterers, third party delivery services 3. Office Supply Stores: Merchants that primarily sell a variety of office and school supplies, paper goods and printing services and that sell or rent office furniture and office equipment. Excludes purchases at merchants that primarily sell electronics, computer equipment, hardware and software. All other purchases that do not qualify for the additional rewards categories will earn 1% for every $1 spent. Merchants are assigned a merchant category code (MCC) by the credit card network based on the kinds of products and services they primarily sell. Eligible purchases are determined by the MCC reported by the merchant. If a merchant does not submit transactions using the anticipated MCC associated with the rewards category, your purchase may not qualify towards this benefit.  GM and Goldman Sachs Bank USA do not determine, and are not responsible for, the MCC reported by the merchant.  

Mastercard Easy Savings
Certain restrictions apply. Go to Mastercard Easy Savings® Program for details and exclusions.
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My GMC Rewards Program Terms & Conditions. | My GMC Rewards Card Program Rules. | GM Extended Family Card Program Rules. | GM Business Card Program Rules. | California Residents: Notice of Financial Incentive.

GM Business Card Earnings Eligibility
GM Business Card Earnings are those reflected as of date indicated and are subject to additional purchases, returns and redemptions. Earnings are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees. Earnings may not be used with some offers or on the purchase of certain vehicles, including any vehicle sold as a GM Fleet vehicle or those sold or obtained at auction. See your authorized GM Dealership for eligibility. Other exclusions may apply.  Please see the GM Business Card Program Rules that are applicable to your account for terms, conditions, exclusions and limitations.   Earnings will be applied based on the merchant category code used by the merchant who reports a transaction. For Current Earnings, visit gmcard.com or call 1-833-773-0990.

ESB Offer Business Card
Subject to credit approval. Offer valid for new GM Business Card members who spend $5,000 or more in eligible purchases in their first 5 months after opening an account. Limit one offer per new card member. “Purchases” do not include cash advances or other cash-like transactions, balances transfers, ATM withdrawals, savings bonds, finance charges or fees. Returns of purchases made during your offer period may impact your eligibility and bonus Earnings. Bonus Earnings are equal to $750 only when redeemed for the purchase or lease of a new vehicle at GM. Earnings may not be redeemed for any other use. Bonus Earnings will be credited to your GM Business Card account within two billing cycles after $5,000 in eligible purchases have posted to it during the offer period. To be eligible for this offer, card account must be open and in good standing at time of fulfillment. See the GM Business Card Earnings Program Rules for more details. Goldman Sachs Bank USA reserves the right to modify or revoke offer at any time. If Goldman Sachs Bank USA determines that you have engaged in or plan to engage in abuse, fraud or gaming in connection with this offer, you will not be eligible for this offer, and any bonus Earnings awarded to you may be revoked. Issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Business Card APR
0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from 19.24% to 29.24% based on creditworthiness. Balance transfers are not available at this time. Cash advances variable APR of 29.99%.  Up to $40 late penalty fee. Rates as of 8/1/23. Rates and terms here:  https://www.marcus.com/us/en/credit-cards/gm-cards/rates-and-fees/business

3% Gas 
Subject to credit approval. Cardmembers earn 3% Earnings for every $1 spent on eligible purchases at merchants whose primary line of business is classified as: 1. Automotive Gasoline: Gas stations that primarily sell automotive gasoline and diesel fuel that can be purchased at the pump or inside the station. Excludes gasoline purchases at warehouse clubs, supermarkets, superstores, truck stops, commercial fuel distributors or home heating companies. 2. Restaurants: Eat-in dining, cafes, bars, lounges, fast food restaurants. Excludes purchases at bakeries, caterers, third party delivery services 3. Office Supply Stores: Merchants that primarily sell a variety of office and school supplies, paper goods and printing services and that sell or rent office furniture and office equipment. Excludes purchases at merchants that primarily sell electronics, computer equipment, hardware and software. All other purchases that do not qualify for the additional rewards categories will earn 1% for every $1 spent. Merchants are assigned a merchant category code (MCC) by the credit card network based on the kinds of products and services they primarily sell. Eligible purchases are determined by the MCC reported by the merchant. If a merchant does not submit transactions using the anticipated MCC associated with the rewards category, your purchase may not qualify towards this benefit.  GM and Goldman Sachs Bank USA do not determine, and are not responsible for, the MCC reported by the merchant.  

Mastercard Easy Savings
Certain restrictions apply. Go to Mastercard Easy Savings® Program for details and exclusions.