Terms and Conditions

GM BusinessTM 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 http://www.dfs.ny.gov.

Benefit Terms

GM BusinessTM Mastercard®

Table of Contents

GM Business Mastercard Early Spend Bonus Offer

Subject to credit approval. This offer is not available to applicants who have had this card or have another pending or approved application for the card. You will earn $750 in Bonus Earnings value when you spend $5,000 or more in eligible purchases on your GM Business Mastercard® in the first 5 months after opening an account. Bonus Earnings can only be redeemed with GM. Eligible purchases do not include fees or interest charges, cash advances, wire transfers, unauthorized or fraudulent transactions, purchases of travelers checks or other cash equivalents. Other exclusions may apply. Returns of purchases made during your offer period may impact your eligibility and Bonus Earnings. Bonus Earnings will be credited to your account within two billing cycles after meeting spend requirement. Account must be open and in good standing at the time of fulfillment. Offer subject to change. Limit one offer per account. We reserve the right to modify or revoke offer at any time. If we determine 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 Bonus Earnings awarded to you may be revoked. Credit card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

GM Business Mastercard Earnings Redemption

GM Business Mastercard Earnings can only be redeemed by the primary Cardmember toward the purchase or lease of an eligible, new GM vehicle from an authorized GM dealer. Earnings may not be applied to any vehicle sold or obtained at an auction. Other vehicles may also be considered ineligible. Other exclusions may apply. Please see the Program Rules for terms and limitations.

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 paid Certified Service at authorized GM Dealers. Other exclusions may apply. See Program Rules for other terms and limitations.

3%/1% 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. Gas: 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. Other exclusions may apply. See Program Rules for other terms and limitations.

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.  GM and Goldman Sachs Bank USA do not determine, and are not responsible for, the MCC reported by the merchant.

Earnings Expiration

Earnings don't expire as long as account remains open and in good standing. See your Program Rules for details.

Application Approval

Credit approval required. Terms and conditions apply.

Goldman Sachs Bank USA, Salt Lake City Branch, is the issuer of the GM Business™ Mastercard®. General Motors LLC operates and administers the GM Business Mastercard® Earnings. Mastercard and the circles design are trademarks of Mastercard International Incorporated.