GM Business™ Mastercard® from Marcus by Goldman Sachs® is a cobranded business credit card designed for business owners who usually do business with General Motors. You can 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. Your earned rewards can be used 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™ Mastercard®
BEST FOR:
Those who do business regularly with GM
Intro APR
0% APR
Regular APR
19.24% to 29.24% 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
19.24% to 29.24% 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 | 10 | 15 |
Introductory APR | 7 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 85 | 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 store purchases.
See our recommended alternatives below if this card isn’t the best fit for your business.
GM Business™ Mastercard® Rewards
- $750 sign-up bonus after spending $5,000 on purchases in the first five months after account opening
- 5% cash back on purchases of GM Genuine and ACDelco Parts, accessories, and paid Certified Service at authorized GM Dealers
- 3% cash back on purchases from gas stations, restaurants, and office supply stores
- 1% cash back on all other purchases
GM Business™ Mastercard® Calculator
Find out how much you can earn from the GM Business™ Mastercard® based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—enter your expected monthly spending, and our calculator will do the rest.
GM Business™ Mastercard® Earnings Program
The GM Business Card 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. All points earned won’t expire so long as your account is active and in good standing.
How To Redeem GM Business™ Mastercard® Rewards
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
Account Safety and Management
- Mastercard Easy Savings®: Receive discounts on everyday expenses at participating merchants nationwide.
- 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.
Software Discounts
- Business assistant concierge: Get access to comprehensive and personalized assistance 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 to QuickBooks Online (Simple Start, Essentials, Plus, or Advanced) or 50% off of a 12-month subscription to QuickBooks Self-Employed and a one-month free trial. Note that this is only applicable to new QuickBooks Online customers.
- ShopRunner: Get a free ShopRunner membership, valued at $79, providing free two-day shipping and free returns.
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
U.S. Bank Business Platinum Card
U.S. Bank Business Platinum Card
BEST FOR:
Extended 0% APR period on purchases and balance transfers
Intro APR
Regular APR
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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
17.24% - 26.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good Credit
- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 17.24%-26.24%.
- 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.
When To Consider the U.S. Bank Business Platinum Card
- You plan to make large purchases or transfer a balance: This card offers a 0% introductory period on purchases and balance transfers for the first 18 billing cycles
Other Benefits
- Pay off your balances over time by dividing eligible purchases into affordable monthly payments with no interest through the ExtendPay® Plan
- Track spending and manage finances through the Visa Spend Clarity
- Receive protection on unauthorized purchases and transactions
Its long 0% introductory period on purchases and balance transfers are our reasons for also recommending it as our top business credit card for balance transfers and one of our recommended sole proprietorship business credit cards. Check our roundup of the best U.S. Bank business credit cards for more options.
American Express Blue Business Cash
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
18.49% - 26.49% 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 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
18.49% - 26.49% 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- 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.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 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.
When To Consider the American Express Blue Business Cash
- You intend to spend beyond your credit limit: This card offers Expanded Buying Power—which allows you to spend beyond your credit limit after meeting certain criteria.
- You want to earn fixed-rate cash back rewards: This card lets you earn 2% cash back on the first $50,000 in eligible purchases
Other Benefits
- Earn a $250 statement credit after spending $3,000 in purchases within the first three months from the date of account opening
- Issue employee cards at no additional cost
- Receive protection against theft and damage on new purchases up to 90 days from date of purchase
This card is also our top recommended instant approval business credit card and one of our best business credit cards for consultants. See our list of the best American Express business credit cards for more options from the issuing bank.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- 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 19.24% - 28.24%.
- 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
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- 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 19.24% - 28.24%.
- 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.
When To Consider the U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You need to make large purchases or transfer a balance: This card offers a 0% introductory period on purchases and balance transfers for the first 15 billing cycles
- You frequently spend on gas and other spending categories: This card lets you earn 3% cash back rewards on gas, office supplies, and cell phone services.
Other Benefits
- Receive a sign-up bonus of $500 cash back after spending at least $4,500 in eligible purchases within the first 150 days from account opening
- Pay off your balances over time by dividing eligible purchases into affordable monthly payments with no interest through the ExtendPay® Plan
- Gain access to reporting that can help you track your business spending through U.S. Bank’s account management tools
Its long 0% introductory period on purchases and balance transfers, as well as the ability to earn cash back rewards, are why it is included in our lists of the best small business credit cards and the best credit cards for new businesses with no credit history. For more options, you may check our list of the best U.S. Bank business credit cards.
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.
Bottom Line
GM Business™ Mastercard® 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.
