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 12 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% on Purchases
12 months
Reward Rate
1% to 5% cash back
0% on Balance Transfers
N/a
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.
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 | 19.24% to 29.24% (V) APR |
| Purchases | 0% Intro APR for 12 months on purchases, then 19.24% to 29.24% (V) APR after that. |
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