GM Business Card
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The GM Business Card/Marcus by Goldman Sachs® is for business owners who own and operate a fleet of GM vehicles. There is a welcome offer and a 0% introductory APR offer on purchases for the first 9 months. Plus you get elevated rewards on gas, restaurants, and office supply stores. You can only redeem your rewards for purchasing or leasing a new GM vehicle, making this card appeal to a small niche of business owners. We dive into the details and your approval odds in this GM Business Card review.
Our Rating
3.0/5.0
Welcome Offer
Get $750 in Bonus Earnings
Annual Fee
$0
0% Intro on Purchases
9 months
Reward Rate
1% to 5% cash back
0% Intro on Balance Transfers
None
Welcome Offer
Get $750 in Bonus Earnings to redeem with GM after spending $5,000 on the GM Business™ Mastercard® in your first 5 months.
Editorial Review
Features & Benefits
| Security | Zero Liability, Identity theft protection |
| Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
| Benefits | ShopRunner, 24/7 customer service |
| Travel Perks | Auto Rental Collision Damage Waiver, Concierge Services |
Rewards
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | None |
| Regular APR | 18.74% to 28.74% (V) APR |
| Purchases | 0% Intro APR for 9 months on purchases, then 18.74% to 28.74% (V) APR after that. |
Insurance
Car Rental Loss and Damage Insurance
MasterRental(R) Insurance/CDW which pays for damage and theft of a rental vehicle.
Pays for physical damage and theft of a rental vehicle on a primary basis for rentals up to 31 days. The cardholder must pay for the entire rental transaction with the eligible Mastercard and decline the Collision Damage/Loss Damage Waiver coverage offered by the car rental company.
What Credit Score Is Required to Get the GM Business Card/Marcus by Goldman Sachs®
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 680
Average Approved Credit Score: 680
| App Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 03/30/2023 | Equifax | ||
| Denied | 12/29/2023 | Not Provided | ||
| Denied | 01/20/2024 | Equifax |
Pros & Cons
- Welcome offer
- No annual fee
- No foreign transaction fee
- Up to 5% cash back
- High APR
- Requires good credit
- Limited redemption options (one)
What Are the Best Alternatives?
The American Express Blue Business Cash™ Card
Rating
4.6
Rewards Range
1% - 2%
Annual Fee
No annual fee
U.S. Bank Triple Cash Rewards Visa® Business Card
Rating
4.5
Rewards Range
1% - 5% Cash Back
Annual Fee
$0
Ink Business Cash® Credit Card
Rating
4.8
Rewards Range
1%-5%
Annual Fee
$0