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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
GM Business Card review: Solid earnings but inflexible rewards
When Ryan worked as a TPG credit cards writer, he oversaw refreshes of card reviews and card offer stories. He enjoyed racking up cash back and helping readers maximize their points and miles for their next big trip.
Augusta Stone is a credit cards writer for TPG. She joined the TPG team in 2023 and is excited to take points and miles beginners with her on a journey toward maximizing rewards.
also contributed to this story
February 5, 2025 • 8 min read
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The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.
Editorial note: This is a recurring post, regularly updated with new information and offers.
Quick summary
A business card tailored for companies with significant General Motors vehicle expenses offers strong earning rates at GM dealerships, gas stations, restaurants and office supply stores.
Rewards can only be redeemed toward purchasing or leasing eligible GM vehicles, limiting flexibility for most businesses.
The card provides standard protections such as rental insurance, identity theft protection and zero liability for unauthorized purchases.
It lacks premium perks and has fewer benefits compared to many general business cards.
What to consider
Rewards are only redeemable for GM vehicle purchases or leases, making the card best suited for businesses with ongoing GM fleet needs.
Perks are limited and do not include annual credits or complimentary memberships, which are common with other business cards.
Rewards do not expire as long as the account remains active and in good standing.
What you'll miss from the article
A detailed comparison of how this card stacks up against more flexible business card options and which types of businesses benefit most.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The GM Business™ Mastercard® offers plenty of value for businesses with a fleet of General Motors vehicles but not much value for anyone else. You’ll enjoy healthy earning rates with no annual fee but minimal perks and redemption options for those who don’t spend a lot with GM. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
If you’re a business owner who has a fleet of vehicles as part of your business, you may have considered getting the GM Business Card. On the one hand, the card earns bonus rewards on General Motors purchases as well as at gas stations, restaurants and office supply stores. On the other hand, you can only use your rewards to buy or lease GM vehicles.
If you spend a lot on GM vehicles, you may be able to get some solid value out of the card’s earning rates. If not, however, this card isn’t the one for you.
The card has limited benefits compared to its competitors, lacking in things like annual statement credits. Its rewards are also inflexible compared to those of other cards, without the ability to use your rewards for general purchases or redeem them into a checking account.
The GM Business Card has no annual fee, and we recommend you have a credit score of 670 to get approved for it. Now, let’s examine the card details.
The information for the GM Business Mastercard has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
GM Business Card pros and cons
Pros
Cons
High earning rates on GM dealership parts or service; bonus-earning at gas stations, restaurants and office supply stores
No annual fee
Inflexible rewards without much value if you don’t spend a lot at GM
Limited benefits
GM Business Card welcome offer
With the GM Business Card, new cardholders can earn $750 in bonus earnings to redeem with GM after spending $5,000 in the first five months from account opening.
THE POINTS GUY
That’s a decent return for a business card with no annual fee, but you can do better with more general card offerings. And if you aren’t spending much at GM, $750 to redeem with the company won’t be very helpful.
Cardholders also receive a 0% introductory APR on purchases for the first nine months and a variable APR of 18.24% to 28.24% based on their creditworthiness thereafter.
The GM Business Card doesn’t offer much in the way of lavish perks, but you will enjoy standard protections like rental insurance, identity theft protection and zero liability for unauthorized purchases.
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You’ll also get access to personalized assistance with GM’s Business Assistant Concierge, plus no foreign transaction fees or cash advance fees to go along with the $0 annual fee.
GM Business cardholders can also receive discounts on certain business-related services, such as Zoho Marketing Plus, Intuit Quickbooks Online and TurboTax federal products. While these perks are nice, other business cards with better rewards feature discounts or statement credits for certain business-related expenses.
Those are somewhat standard perks for a business card and, therefore, not especially impressive. Unlike many of our favorite business cards, this card has no annual credits and no complimentary membership to any services, GM-related or otherwise. If you want more valuable perks, you’ll want to look at a different card.
With the GM Business Card, you’ll get 5% back on GM Genuine and ACDelco Parts, eligible accessories or paid certified service at authorized GM dealerships. You'll also earn 3% back at gas stations, restaurants and office supply stores and 1% back on everything else.
FREDERIC J. BROWN/AFP/GETTY IMAGES
Again, those are solid rates if you spend a lot at GM, but they're unremarkable if you can’t make use of that 5% bonus category. The 3% earning category is nice, but you can get the same (or better) earning rates on cards that offer plenty more general benefits.
For instance, the (see rates and fees) earns an unlimited 1.5% cash back on every purchase made for your business and has no annual fee. Plus, its cash-back rewards are much more flexible and can turn into transferable travel rewards with the right card pairing.
It’s important to note that rewards earned on the GM Business Card can only be redeemed to buy or lease an eligible GM vehicle, such as a Chevrolet, Buick, GMC or Cadillac, at a participating GM dealership.
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That’s an extremely narrow redemption option, making this card only viable for businesses with multiple GM vehicles (or in the market for GM vehicles).
The good news is that these rewards never expire on active accounts in good standing, so you can save up your rewards for your next big GM purchase.
But again, this is a far more inflexible option compared to any number of business cards on the market. Like many people, I don’t have a fleet of GM vehicles to maintain — so I prefer earning flexible cash-back rewards with a card like the (see rates and fees).
If you want more general rewards: The offers unlimited 1.5% cash back on every business purchase, and you can maximize your rewards by pairing it with other Chase cards to turn your cash back into transferable Ultimate Rewards points. To learn more, read our full review of the Ink Business Unlimited.
If you prefer American Express: earns lucrative Membership Rewards points on everyday business spending. This card is best suited for small businesses with limited revenue. To learn more, read our full review of the Blue Business Plus.
Despite its very limited redemption options, the GM Business Card can make sense for businesses looking to earn rewards toward a big GM purchase in the future. Most people, however, will get far more value from a different credit card.
Bottom line
Business owners can take advantage of this card’s earnings rates and put them toward a vehicle purchase while also enjoying a few standard perks with no annual fee.
But again, unless you’re regularly spending a lot on GM vehicles, you’ll be better off with a general business card that earns more flexible cash back or travel rewards.
