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GM Business™ Mastercard® from Marcus by Goldman Sachs® is a cobranded business credit card designed for business owners who have significant fuel expenses and usually do business with General Motors. You can earn premium rewards on parts and services from GM and on gas purchases. It charges $0 annual, foreign transaction, and cash advance fees. However, you can only use your earned rewards when you buy or lease 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™ Mastercard®
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
- Welcome offer
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Limited rewards redemption options
- No balance transfer offers
- 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
- Welcome offer
- Has 0% introductory APR on purchases
- No additional fees
Cons
- Limited rewards redemption options
- No balance transfer offers
- 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 | 10 | 15 |
Introductory APR | 7 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 85 | 100 |
Who the GM Business™ Mastercard® Is Best For
- Those who do business with GM regularly: You’ll receive premium rewards on parts and services purchased from GM.
- 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 have frequent gas, dining, and office supply expenses: You’ll earn up to 3% on purchases at gas stations, restaurants, and office supply stores.
See our recommended alternatives below if this card isn’t the best fit for your business.
GM Business™ Mastercard® Rewards
- $750 bonus earning after spending $5,000 on purchases in the first five months after account opening
- 5% earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories, and certified service at authorized GM Dealers
- 3% earnings on purchases at gas stations, restaurants, and office supply stores
- 1% earnings on all other purchases
Rewards Calculator
Find out how much you can earn from the GM Business™ Mastercard® based on your estimated monthly expenses. Just enter your expected monthly spending, and our calculator will compute your potential rewards.
The GM Business™ Mastercard® Earnings Program allows cardholders to accumulate earned rewards, which can then be used to buy or lease an eligible Chevrolet, Buick, GMC, or Cadillac vehicle. There’s no limit to the amount of earnings you can receive or redeem. Also, rewards don’t expire as long as your account is open and in good standing.
There are no limits to the amount of rewards you can earn. You can use these to purchase an eligible, new GM vehicle. You can use your rewards after following these steps:
- Choose your eligible new Chevrolet, Buick, GMC, or Cadillac vehicle at any participating GM dealership.
- Agree on your best price with your dealer, after taking into account the available vehicle offers.
- Deduct your earnings and any cardmember offers to your final agreed-upon price.
GM Business™ Mastercard® Features
- Mastercard Easy Savings®: Receive discounts on everyday expenses at participating merchants nationwide.
- Combine offers: Combine earnings with most current vehicle offers for more potential value.
- Employee cards: Increase your earned rewards, set individual spending limits, and track employee spending activity.
- Zero liability protection: Secure your account from unauthorized purchases made with your card.
- Global emergency services: Get 24/7 customer service when a credit card is lost or stolen or if you need an emergency card replacement or cash advance.
- MasterRental Insurance: Receive insurance protection on physical damage and theft on a rental vehicle for rentals up to 31 days. Note that the whole rental transaction must be paid for with the card and decline the coverage offered by the car rental company.
GM Business™ Mastercard® Fees
APRs
- Introductory: 0% APR on purchases for the first 12 months after opening an account
- Ongoing and balance transfer: 19.24% to 29.24% variable—adjusts with the prime rate
- Cash advance APR: 29.99% variable—adjusts with the prime rate.
Fees
- Annual, cash advance, and foreign transaction: None
- Late payment: Up to $40
Your due date is at least 25 days after the close of each billing cycle.
- Online or through 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.
- AutoPay: You can schedule to pay your balances in advance through AutoPay. Simply log in and select your card, then click “Set Up AutoPay” at the bottom of the “Current Balance” title.
- Bill pay: You can set up Bill Pay with your bank to make direct payments to Marcus by Goldman Sachs. Note that your financial institution will need your 16-digit number and this mailing information:
Goldman Sachs Bank
USA Salt Lake City Branch
PO Box 70321
Philadelphia, PA 19176-0321
- Mail: Mail your checks to the address below the 16-digit card number on your statement credit memo line. Note that payments sent by mail will be processed within 7-10 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
GM Business™ Mastercard® Alternatives
card_name
card_name
BEST FOR:
Unlimited 2x miles with every swipe
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
Intro APR
intro_apr_rate,intro_apr_duration
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed
- Earn a one-time bonus of 50,000 miles - equal to $500 in travel - once you spend $4,500 on purchases within the first 3 months from account opening
- Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won't expire for the life of the account
- Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
- Transfer your miles to 15+ travel loyalty programs
- Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
- Receive up to a $120 credit for Global Entry or TSA PreCheck(R)
- $0 intro annual fee for the first year; $95 after that
- Free employee cards which also earn unlimited 2X miles from their purchases
Pros
- Provides a welcome offer
- Offers fixed-rate miles rewards on all purchases
- Does not charge foreign transaction fees
Cons
- Does not have a 0% introductory period on purchases
- Charges an annual fee after the first year
- Balance transfers are not available
- Payment flexibility: Capital One lets you choose your monthly due date, enabling your business to control when to pay.
- Capital One Lounge: Cardholders get two free visits per year to the Capital One Lounge, which offers luxurious amenities and fresh, local food and beverage options.
- Fraud Coverage: $0 Fraud Liability for unauthorized charges
- Quarterly and year-end summary: Get a custom, itemized report of your spending to help simplify planning, budgeting and tax time
The card_name lets you earn unlimited 2x miles on all purchases and 5x miles on hotels and rental cars booked through Capital One Travel. It comes with a low annual fee and varied redemption options, including travel, statement credit, check by mail, or gift cards at restaurants, retailers, or hotels. However, it does not offer a 0% APR period.
Coast Fuel Card
Coast Fuel Card
BEST FOR:
Businesses with small to large fleets
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Intro APR
N/A
Regular APR
N/A
Annual Fee
None, only $4 per active card per month
Credit Needed
Good to Excellent
- Up to 10 cents off on every gallon on your statement
- 1% back on non-fuel purchases
Pros
- Universally accepted fleet card
- 1% cash back on nonfuel purchases
- Doesn’t require personal guarantee
Cons
- Charges monthly fees to active users
- Balance is due in full each month
- Doesn’t support cash withdrawals
- Customizable controls
- Spend reports
- Exclusive discounts from large partner networks
- Integrations with QuickBooks, Fleetio, Samsara, Geotab, Verizon Connect, Azuga, and more
Coast Fuel Card is best for businesses with fleets and significant fuel expenses. For only $4 per active user monthly, you’ll enjoy earning up to 10¢ per gallon when you purchase gas anywhere Visa is accepted. On top of that, you’ll receive unlimited 1% cash back on non-fuel purchases. Note that this is a charge card, so you need to pay your balance in full each month.
U.S. Bank Triple Cash Rewards Visa® Business Card
U.S. Bank Triple Cash Rewards Visa® Business Card
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
17.99% - 26.99% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
- Earn $500 in cash back. Just spend $4,500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- 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.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
The U.S. Bank Triple Cash Rewards Visa® Business Card comes with 0% APR on purchases for the first 12 months, $0 annual fees, and up to 5% cash back, making it a great option if you need to save on credit costs. What’s more, you’ll receive a $100 annual statement credit for recurring software purchases. It also features ExtendPay® Plan, which lets you pay off our eligible balance over time without interest—just a small monthly fee.
Frequently Asked Questions (FAQs)
To qualify for the GM Business™ Mastercard®, you must meet the following:
- Be at least 18 years old
- Are a United States citizen
- Own at least 25% of the business
- Have a driver’s license or a state-issued photo ID
- Be in business for at least a year
- Have your business bank statement or tax returns available
Note that if you have a freeze on your credit report, you will need to lift the freeze before applying.
No, the GM Business™ Mastercard® only triggers a soft pull and will not hurt your credit score.
These are services provided by GM’s certified service providers for Chevrolet, Buick, GMC, and Cadillac vehicles. With GM Certified Service, you can trust that parts are made specifically for your vehicle’s model and your vehicles will be handled by expert technicians trained with GM’s latest technology.
Bottom Line
GM Business™ Mastercard® is best for companies that typically buy or rent Chevrolet, Buick, GMC, or Cadillac vehicles. If you frequently do business with GM and have substantial expenses on gas, office supplies, and dining, you can take advantage of its premium rewards. Plus, it has $0 annual fees and a 0% purchase APR period. Keep in mind, however, that your redemption options are limited.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
