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GM Business Card Review

One of the key advantages of the GM Business Card is its flexibility. It allows you to track and manage your business expenses effortlessly.

GM Business
Source: GM Business

With detailed expense reports and online account management tools, you can easily monitor your spending, categorize expenses, and generate customized reports for better financial analysis.  Additionally, the GM Business Card offers a variety of rewards and incentives that can further boost your business’s bottom line. 

From cashback on fuel purchases to exclusive discounts on GM vehicles and services, this card ensures that every dollar you spend contributes to your business growth.  Furthermore, the GM Business Card provides enhanced security and fraud protection measures. 

With encrypted transactions, real-time fraud monitoring, and zero-liability for unauthorized charges, you can have peace of mind knowing that your business’s financial information is safeguarded.  Whether you need to purchase office supplies, fuel for your company vehicles, or even travel expenses, the GM Business Card provides you with a convenient and efficient solution.

Benefits of GM Business Card

  • $0 annual fee 

The GM Business Card stands out with its $0 annual fee. Unlike many other business credit cards, you won’t have to worry about paying a hefty fee just to access the card’s features and benefits. This means you can keep more of your hard-earned profits and redirect them towards growing your business. 

  • 0% intro APR on purchases for the first 12 months

One of the standout features of the GM Business Card is its 0% introductory APR on purchases for the first 12 months. This means you can enjoy a whole year of interest-free financing, allowing you to make essential purchases for your business without incurring hefty interest charges. It’s a fantastic opportunity to invest in new equipment, stock up on inventory, or take advantage of other growth opportunities without worrying about the financial burden. 

  • $750 in bonus earnings to redeem with GM

On top of the attractive introductory offer, the GM Business Card also rewards you with $750 in bonus earnings to redeem with GM. Whether you need a new vehicle for your business operations or want to upgrade your existing fleet, these bonus earnings can significantly offset the cost, making it a win-win situation for your company’s bottom line. 

  • Free employee cards 

To further streamline your business finances, the GM Business Card allows you to request free employee cards. This means you can empower your team members with their own cards, enabling them to make authorized purchases on behalf of the company while keeping track of their individual spending conveniently. 

  • World Elite MasterCard for Business benefits

Additionally, the GM Business Card is a World Elite MasterCard for Business, which means it comes with a suite of exclusive benefits and services tailored to meet the needs of business owners. From travel and purchase protection to extensive global acceptance, this card offers an elevated level of convenience and security.

  • No impact to your credit score

Getting a new credit card sometimes can be a stressful moment for the cardholder, since it makes a hard inquiry on your credit score and you still have chances to not be approved. However, this card allows you to see if you’re approved with no impact to your credit score. The hard inquiry will only happen if you accept a card.

  • No expiring points

Most programs give you a lot of points but have expiring dates. On the other hand, with this credit card you can enjoy all your points without any pressure, since it never expires as long as your account stays open and in good standing.

  • Automatic Gold status

At the moment you’re approved, you’ll get automatic Gold status. Gold Tiers members have access to special offers and unlimited earning and redemption power. No matter if your car is electric or not, with the second level of GM’s rewards you can receive a $100 statement credit when you spend $1,500 on gas or pay for six electric bills between January and December.

Qualifying for GM Business Card

Minimum Credit Score needed: The minimum credit score needed to get GM Business Card is between 650 to 800. 

Annual Income requirements: The annual income requirements for GM Business Card is different since it’s a business credit card. It’s better to follow their official website to know more. 

How to apply for GM Business Card?

GM Business
Source: GM Business

To apply for the GM Business Card, follow these steps: 

Applying for a GM Business Card is easier than you think:

  1. Go to the GM credit cards website and look for GM Business Card
  2. Click on Apply Now
  3. Read Terms and Conditions
  4. Fill your personal and financial details
  5. Submit your application

Frequently Asked Questions (FAQs) about the GM Business Card

How can I redeem my points?

You can redeem My GM Rewards points online or at your participating GM dealer. You can find step-by-step instructions from each reward in the Redeem section or chat with a Member Support Specialist if you still need assistance.

Do I need to pay to enroll in the My GM Rewards program?

Believe it or not, signing up is totally free and you don’t need to purchase anything. Having problems doing it? Find your participating dealer or the GM Rewards Member Support Center for assistance.

How do I check my GM Rewards Card balance?

You can check it online through Goldman Sachs website, by phone (1-833-773-0988) or by Goldman Sachs app.

What is the APR rate after 12 months?

After the introductory promotional period, your APR will be 19.24% to 29.24%, based on your creditworthiness.

Formado em direito Especialista em economia, investimento e finanças pessoal. Seu foco é mudar a vida financeira das pessoas.