GM Business 
Mastercard® mobile

GM Business

GM Business Mastercard® 

Rates and Fees Information

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

0% introductory APR for 12 months from the date of account opening.

After that, your APR will be 19.24% to 29.24% , based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

APR for Cash Advances


This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.


Transaction Fees

•   Cash Advance


Penalty Fees

•   Late Payment

Up to $40.


We use the daily balance method (including new Transactions).


Variable APRs are based on the 8.50% Prime Rate as of 01/31/2024. APRs will not exceed 29.99%.


For more information, call Issuer at 877-255-5923. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. Contact the New York state department of financial services at 1-800-342-3736 or

Benefit Terms

GM BusinessTM Mastercard®

GM BusinessTM 

Table of Contents

GM Business Mastercard Early Spend Bonus Offer

This offer is not available to applicants who have had this card or have another pending or approved application for the card (the “New Application Requirement”). Subject to credit approval. Subject to the New Application Requirement, this offer is valid for new GM Business Mastercard members who spend $4,000 or more in eligible purchases in their first 90 days after opening an account. Limit one offer per new card member. “Purchases” do not include cash advances or other cash-like transactions, balances transfers, ATM withdrawals, savings bonds, finance charges or fees. Returns of purchases made during your offer period may impact your eligibility and bonus Earnings. Bonus Earnings are equal to $500 only when redeemed for the purchase or lease of a new vehicle at GM. Earnings may not be redeemed for any other use. Bonus Earnings will be credited to your GM Business Mastercard account within two billing cycles after $4,000 in eligible purchases have posted to it during the offer period. To be eligible for this offer, card account must be open and in good standing at time of fulfillment. See the GM Business Mastercard Earnings Program Rules for more details. Goldman Sachs Bank USA reserves the right to modify or revoke offer at any time. If Goldman Sachs Bank USA determines that you have engaged in or plan to engage in abuse, fraud or gaming in connection with this offer, you will not be eligible for this offer, and any bonus Earnings awarded to you may be revoked. Issued by Goldman Sachs Bank USA, Salt Lake City Branch.

GM Business Mastercard Earnings Eligibility

GM Business Mastercard Earnings are those reflected as of date indicated and are subject to additional purchases, returns and redemptions.  Earnings are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees.  Earnings may not be used with some offers or on the purchase of certain vehicles, including any vehicle sold as a GM Fleet vehicle or those sold or obtained at auction. Earnings may not be used on the purchase of certain vehicles, such as See your authorized GM Dealership for eligibility. Other exclusions may apply.  Please see The GM Business Mastercard Program Rules that are applicable to your account for terms, conditions, exclusions and limitations.  Earnings will be applied based on the merchant category code used by the merchant who reports a transaction. For Current Earnings, visit or call 1-800-446-5347.

5% Earnings

[Subject to credit approval]. Cardmembers earn 5% Earnings for every $1 spent on eligible purchases with GM, minus credits and returns.  Eligible Purchases include GM Genuine and AC Delco parts, GM accessories purchased in-store or online at authorized GM dealers and customer-paid Certified Service at authorized GM dealers. Other exclusions may apply. See Program Rules for other terms and limitations.

3% Earnings

Subject to credit approval. Cardmembers earn 3% Earnings for every $1 spent on eligible purchases at merchants whose primary line of business is classified as: 1. Automotive Gasoline: Gas stations that primarily sell automotive gasoline and diesel fuel that can be purchased at the pump or inside the station. Excludes gasoline purchases at warehouse clubs, supermarkets, superstores, truck stops, commercial fuel distributors or home heating companies. 2. Restaurants: Eat-in dining, cafes, bars, lounges, fast food restaurants. Excludes purchases at bakeries, caterers, third party delivery services 3. Office Supply Stores: Merchants that primarily sell a variety of office and school supplies, paper goods and printing services and that sell or rent office furniture and office equipment. Excludes purchases at merchants that primarily sell electronics, computer equipment, hardware and software. All other purchases that do not qualify for the additional rewards categories will earn 1% for every $1 spent.

Merchants are assigned a merchant category code (MCC) by the credit card network based on the kinds of products and services they primarily sell. Eligible purchases are determined by the MCC reported by the merchant. If a merchant does not submit transactions using the anticipated MCC associated with the rewards category, your purchase may not qualify towards this benefit.  GM and Goldman Sachs Bank USA do not determine, and are not responsible for, the MCC reported by the merchant.

Application Approval

Credit approval required. Terms and conditions apply.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.



Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC (“GS&Co.”), which are subsidiaries of The Goldman Sachs Group, Inc.  The My GM Rewards Mastercard, GM Business Mastercard, GM Extended Family Mastercard, and GM Cards are issued by Goldman Sachs Bank, USA, Salt Lake City Branch.  General Motors is responsible for the operation and administration of the Points Program.