GM Business Card™
GM Business Card™
in Business Credit Cards from Goldman Sachs Bank USA

GM Business Card™

in Business Credit Cards from Goldman Sachs Bank USA
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Purchase APR  (Variable APR) 19.24% - 29.24%
(Verified 12/08/2023)
Balance Transfer APR  (Variable APR) N/A
(Verified 08/07/2023)
Annual Fee $0
Credit Score Range N/A

GM Business Card™ Review

This is a cashback card issued by Goldman Sachs Bank USA. If you're wondering whether GM Business Card is the right card for you, read on.

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of up to $750.
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 19.24% up to 29.24%.
  • No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • Annual fee waived the first year. GM Business Card™ gives you the chance to have the card for a year without paying the $0 annual fee.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.

Pros & Cons of GM Business Card

The Good The Bad
  • 0% APR on new purchases during the first 12 months. There is then a variable purchase APR that ranges from 19.24% up to 29.24%.
  • No annual fee.
  • Annual fee waived during the first year.
  • Free access to your credit score.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Higher than average purchase APRs.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 19.24% up to 29.24%.

It also has a variable cash advance APR of 29.24%.

Does it have an introductory APR offer?

This business card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

GM Business Card Rates & Terms
Purchase APR 19.24% - 29.24%
Cash Advance APR 29.24%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $40.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

GM Business Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Late Payment Fee up to $40

Does it offer a cash back or rewards program?

Yes, GM Business Card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make.

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $750.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

What are the benefits?

This business credit card provides the following benefits:

  • Free Credit Score

What is the customer service phone number?

The customer service number for this business card is (855) 730-7283.

How to apply?

  • Visit the GM Business Card™ website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
Foreign Currency Transaction Fee 0%
Late Fee Amount Up to $40
No Annual Fee
No Annual Fee First Year
No Foreign Transaction Fee
Credit Card Benefits
  • Free Credit Score
Bonus Rewards Get $750 in Bonus Earnings to redeem with GM towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months.*
Signup Bonus $750
APR Type Variable APR
Cash Advance APR (Variable APR) 29.24%
Purchase APR (Variable APR) 19.24% - 29.24%
(Verified 12/08/2023)
Balance Transfer Fee % 0%
Card Network Mastercard
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
  • Bonus Offers
  • Zero Percent

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