GM Business Card

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.

credit card

Our Rating

3.0/5.0

Welcome Offer

Get $750 in Bonus Earnings

Annual Fee

$0

0% Intro on Purchases

12 months

Reward Rate

1% to 5% cash back

0% Intro 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.

Editorial Review

Features & Benefits

SecurityZero Liability, Identity theft protection
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsShopRunner, 24/7 customer service
Travel PerksAuto Rental Collision Damage Waiver, Concierge Services

Rewards

1% cash back
On all other eligible purchases
Get 1% cash back on all other purchases
3% cash back
Office Supplies
Get 3% earnings at office supply stores
3% cash back
Dining
Get 3% earnings at restaurants
3% cash back
Gas
Get 3% earnings at gas stations
5% cash back
Select Categories
Earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories and paid Certified Service at authorized GM Dealers

Interest Rates & Fees

Annual Fee$0
Foreign Transaction FeeNone
Regular APR19.24% to 29.24% (V) APR
Purchases0% Intro APR for 12 months on purchases, then 19.24% to 29.24% (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 StatusDateCredit ScoreBureauCredit Limit
Approved03/30/2023
680
Equifax
$12,000
Denied12/29/2023
750
Not Provided
---
Denied01/20/2024
733
Equifax
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Pros & Cons

Pros
  • Welcome offer
  • No annual fee
  • No foreign transaction fee
  • Up to 5% cash back
Cons
  • High APR
  • Requires good credit
  • Limited redemption options (one)

What Are the Best Alternatives?

The American Express Blue Business Cash™ Card
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
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
Ink Business Cash® Credit Card

Rating

4.8

Rewards Range

1%-5%

Annual Fee

$0

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