100,000 Points
Worth $1,200
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.2%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Terms apply.
See rates & fees.Barclays
GM Business™ Mastercard®
The GM Business Mastercard is built for businesses that spend regularly and can actually use GM rewards toward eligible GM purchases. Its strongest appeal is simple: a high flat rewards rate on everyday business spending, with even more value for companies that buy, lease, or service GM vehicles.
Welcome Offer
100,000 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
GM fleet spenders
All information about GM Business™ Mastercard® has been collected independently by MaxRewards. GM Business™ Mastercard® is no longer available through MaxRewards.
Is the GM Business™ Mastercard® worth it?
This card is great for...
GM vehicle purchases
Everyday business expenses
Employee card spending controls
Yes, if your business has a real reason to stay in the GM ecosystem. A $0 annual fee card that earns 3% back in My GM Rewards on general purchases is unusually strong on paper, and the 7% rate on GM spending makes it especially useful for businesses with company vehicles, service needs, or plans to put rewards toward a future GM purchase. The welcome offer is also substantial for a no-annual-fee business card.
The main tradeoff is flexibility. These rewards are most valuable when you can use them for eligible GM redemptions, so this is not the right fit if you want broad travel rewards or simple cash back. For businesses without meaningful GM spending, the earning rates may look attractive, but a more flexible rewards card will usually be the better long-term choice.
MaxRewards Verdict
This card makes the most sense for businesses that already buy, lease, or maintain GM vehicles and want to earn aggressively on day-to-day spending. If you do not expect to redeem through GM, the rewards become much less compelling.
Welcome Offer
100,000 Points after you spend $5,000 on purchases on your new card in your first 5 months of card membership.
Est. Value
$1,000
Required Spend
$5,000
Time Frame
5 Months
Est. Value
$1,000
Required Spend
$5,000
Time Frame
5 Months
What's your average monthly spend?
You should easily hit the bonus threshold with this spend!
Rewards
Rewards percent based on a valuation of 1¢ per My GM Rewards point
The rewards story here is straightforward: you earn My GM Rewards points, with elevated earnings on GM purchases and a strong base rate on everything else. The key question is not just how fast you earn, but whether your business will actually use those points for GM value.
CategoryEst. yearly spendRateRewards
GM
Est. yearly spend
Rate7%
Rewards$0$0
Everywhere
Est. yearly spend
Rate3%
Rewards$0$0
Est. Annual Rewards
More Benefits
You are in control
You have the power to control the spending limit of your employees.
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Rates & Fees
Annual Fee
$0
Purchase APR
0.00% - 32.24%
Variable
Transfer APR
22.24% - 32.24%
Variable
Cash Advance APR
33.24%
Variable
Foreign Transaction Fee
None
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Other cards from Barclays
80,000 Miles
Worth $800
After you spend $2,500 on purchases on your new card in your first 3 months of card membership.
- 3%Hawaiian Air
- 2%Dining
- 2%Gas
Annual Fee
$99
Rec. Credit
Excellent
Terms apply.
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75,000 Points
Worth $750
After you spend $1 on purchases on your new card in your first 1 months of card membership.
- 2%American Air
- 2%Car Rental
- 2%Office Supply
Annual Fee
$95
Rec. Credit
Excellent
Terms apply.
See rates & fees.