GM Business Card™ Review for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
GM Business Card™ from Marcus by Goldman Sachs® is a cobranded business credit card designed for business owners who usually do business with General Motors (GM). You’ll earn premium rewards on parts and services from GM and up to 3% on purchases made at gas stations, restaurants, and office supply stores—without paying an annual fee. You can redeem these rewards when buying or leasing an eligible GM vehicle.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
GM Business Card™
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who do business regularly with GM
Intro APR
0% APR
Regular APR
18.74% to 28.74% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% back on purchases from gas stations, restaurants, and office supply stores.
- 1% back on all other purchases
Pros
- With signup bonus
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Limited rewards redemption option
- Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
- Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
- TurboTax discount: Save up to $20 on TurboTax federal products.
- ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
- Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.
Intro APR
0% APR
Regular APR
18.74% to 28.74% variable
Annual Fee
None
Credit Needed
Good/Excellent
- 5% back on purchases of GM Genuine and ACDelcro Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% back on purchases from gas stations, restaurants, and office supply stores.
- 1% back on all other purchases
Pros
- With signup bonus
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Doesn’t offer 0% introductory APR on balance transfers
- Limited rewards redemption option
- Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity by creating cards for your employees at no additional costs.
- Zoho Social discount: Earn 50% off Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this is only applicable to new Zoho users and is valid for a customer’s first annual subscription.
- TurboTax discount: Save up to $20 on TurboTax federal products.
- ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
- Microsoft Advertising: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.
When evaluating cobranded rewards business credit cards like the GM Business Card™, we first consider the ongoing and introductory rewards. We also take into account the annual fee, introductory and ongoing annual percentage rates (APRs), and additional card benefits.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 30 |
Introductory Rewards | 20 | 20 |
Annual Fee | 15 | 15 |
Features | 5 | 15 |
Introductory APR | 6 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 79 | 100 |
Who the GM Business Card™ Is Best For
- Those doing business with GM regularly: You’ll receive premium rewards on parts and services purchased from General Motors.
- Those who need to buy or lease a vehicle: It lets you earn rewards that can be used for buying or leasing eligible GM vehicles.
- Those who travel for their businesses frequently: You’ll earn up to 3% on gas station, restaurant, and office supply stores purchases.
See our recommended alternatives below if this card isn’t the best fit for your business.
GM Business Card™ Fees
APR
- Introductory APR: 0% APR on purchases for the first 12 months after opening an account
- Ongoing and balance transfer APR: 18.24% to 28.24% variable—adjusts with the prime rate
- Cash advance APR: 29.99% variable—adjusts with the prime rate.
- Annual, balance transfer, foreign transaction, and cash advance fees: None
- Late payment fee: Up to $40
Your due date is at least 25 days after the close of each billing cycle.
GM Business Card™ Rewards
- $750 sign-up bonus after spending $5,000 on purchases in the first five months after account opening
- 5% back on purchases of GM Genuine and ACDelco Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% back on purchases from gas stations, restaurants, and office supply stores
- 1% back on all other purchases
GM Business Card Earnings Program gives cardholders the opportunity to enjoy the benefits of a GM Business Card by accumulating earned rewards, which can then be used to buy or lease an eligible Chevrolet, Buick, GMC, or Cadillac vehicle. All points earned won’t expire so long as your account is active and in good standing.
How To Make Payments on the GM Business Card™
- Online or through a mobile app: You can pay electronically by logging into your account at marcus.com or on the Marcus by Goldman Sachs® App. Make a one-time payment or set up automatic payments.
- Bill pay: You can set up Bill Pay with your bank to make direct payments to Marcus by Goldman Sachs. Use your mailing address for check payments and your 16-digit account number, which can be found on your physical card.
- Mail: Mail your checks to the address below the 16-digit card number on the memo line of your statement credit. Note that payments sent by mail will be processed within seven to 10 business days and will be credited as of the date they’re received:
Goldman Sachs Bank
USA Salt Lake City Branch
PO Box 70321
Philadelphia, PA 19176-0321
USA Salt Lake City Branch
PO Box 70321
Philadelphia, PA 19176-0321
GM Business Card™ Features
Account Safety and Management
- Mastercard Easy Savings®: This provides discounts on everyday expenses at participating merchants nationwide. Learn more about its current offerings and discounts.
- Employee cards: When you create free employee cards, you can increase your earned rewards, set individual spending limits, and track employee spending activity.
- Zero liability protection: This applies to purchases made online, at a store, over the telephone, via a mobile device, and with an ATM transaction.
- Global emergency services: 24/7 customer service is available for cardholders whose credit cards are lost or stolen or who need an emergency card replacement or cash advance.
- MasterRental Insurance: MasterRental Insurance/CDW*1 can handle payoffs for physical damage and theft of a rental vehicle that has been rented within 31 days. It should be noted that the cardholder must pay for the entire rental transaction and decline the collision damage/loss damage waiver offered by the car rental company.
Software Discounts
- Business assistant concierge: Comprehensive and personalized assistance is available 24/7 for key business services, such as locating tech support or recruiting services.
- Zoho Social discount: Save 50% off of Zoho Social, a social media management tool that helps small businesses grow their social media presence. Note that this only applies to new Zoho users and is valid for a customer’s first annual subscription.
- Zoho Marketing Plus discount: Receive 50% off on Marketing Plus, Zoho’s new bundle for business owners, which is a unified marketing platform for managing social media, conducting email campaigns, surveying customers, and more. Note that this only applies to new Zoho users and is valid for a customer’s first annual subscription.
- Microsoft advertising credit: Get $125 worth of advertising credit after spending $10 with Microsoft Advertising. This is only applicable to new customers.
- TurboTax discount: Save up to $20 on TurboTax federal products.
- Intuit QuickBooks Online and QuickBooks Payroll discount: Receive 40% off of a 12-month subscription of QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or 50% off of a 12-month subscription of QuickBooks Self-Employed and a one-month free trial. Note that this is only applicable to new QuickBooks Online customers.
- ShopRunner: Get free ShopRunner membership, valued at $79, providing you free two-day shipping and free returns.
GM Business Card™ Alternatives
U.S. Bank Business Platinum
U.S. Bank Business Platinum Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
Intro APR
Regular APR
16.99% - 25.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- U.S. Bank Business Platinum Card
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 16.99%-25.99%.
- Expense management tool VISA Spend Clarity is free to access and sync expenses, set employee card controls, generate reports, and more.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
Pros
- With a long 0% introductory APR period on purchases and balance transfers
- Does not charge annual fees
- Offers ExtendPay® Plan
Cons
- No introductory and ongoing rewards
- Balance transfer fee is charged even during the introductory period
- Needs Excellent/Good credit score to qualify
- SinglePoint® Essentials: SinglePoint® Essentials is U.S. Bank’s one-stop tool for viewing account balances and transaction details, transferring funds between existing U.S. Bank accounts, downloading statements, and making payments.
- Fraud protection: U.S. Bank offers fraud protection to ensure the safety and security of all cardholders. To learn more about U.S. Bank’s fraud protection services, you can set up a virtual appointment, call U.S. Bank, or go to the nearest U.S. Bank branch.
- ExtendPay® plan: This allows you to pay off balances over time by dividing eligible credit card purchases into affordable monthly payments with no interest—you only need to pay a fixed monthly fee.
Visa Spend Clarity: Another tool that cardholders can use to track spending and manage finances is Visa Spend Clarity.
- Is ideal for those looking for a longer 0% introductory APR as it has a 0% introductory APR for the first 18 months on both purchases and balance transfers
- Doesn’t charge annual fees
- Lacks rewards
- Is one of our top-recommended 0% APR business credit cards and leading business credit cards with a balance transfer offer
American Express Blue Business CashTM
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.24% - 26.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Intro APR
0% on purchases
Regular APR
18.24% - 26.24% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% - 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- Is best for those who need to spend beyond their credit limit since it features expanded buying power—adjusting your credit limit based on your usage, payment history, credit record, and financial resources
- Lets you earn 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1% cash back earned is credited to your statement automatically
- Offers 0% APR on purchases for the first 12 billing cycles
- Is our on our lists of the:
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
Intro APR
Regular APR
18.99% - 27.99% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 18.99% - 27.99%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- Is a great choice if you want premium rewards and 0% introductory APR and on purchases and balance transfers (for the first 15 billing cycles)
- Doesn’t charge annual fees
- Lets you earn 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants, and 1% cash back on all other eligible purchases.
- Is one of our:
See our roundup of the leading small business credit cards for more options.
Bottom Line
GM Business Card™ is best for companies doing business with General Motors frequently, planning to buy or lease a car, traveling frequently, or planning to make large purchases. Its interest-free financing option of 0% APR for the first 12 months after opening an account, various cash back rewards on purchasing accessories from authorized GM dealers, and cash back on purchases made at gas stations and restaurants make it a good card to consider.
