GM Business™ Mastercard®
100,000 Business Card Points after you spend $5,000 in 5 months. No annual fee.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“Earn 100,000 bonus points after spending $5,000 in the first 5 months of account opening.”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“Annual Fee is $0.”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 22.49% to 32.49%, based on your creditworthiness and other factors.”
- Foreign transaction fee
- Issuer's pagecards.barclaycardus.com
“Foreign transaction fee: 3%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $1,360 | $360 |
| Typical spender | $1,900 | $900 |
| Heavy spender | $2,980 | $1,980 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 100% of the 650 cards we track.
- No annual fee, like about 85% of the 626 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
100,000 Points
After you spend $5,000 on purchases in your first 5 months.
Offer subject to credit approval. Conditions and limitations apply.
Spending it takes$1,000 a monthfor 5 months
Tracking sinceSep 29, 2026history will chart every change
How you earn · GM Business Card Points
- 7× pointsGM purchases
- 3× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “Annual Fee is $0.” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 22.49% to 32.49%, based on your creditworthiness and other factors.” |
| Intro APR | Issuer's pagecards.barclaycardus.com “Introductory 0% APR for 9 months on qualifying GM purchases greater than $499.” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com “Balance transfers – 22.49% to 32.49%, based on your creditworthiness and other factors.” |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “The variable APR for cash advances is 33.49%.” |
| Cash advance fee | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagecards.barclaycardus.com “Foreign transaction fee: 3%.” |
| Minimum interest charge | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- No annual fee.
- Complimentary employee cards for authorized users.
- Ability to control employee spending limits.
- $0 fraud liability for unauthorized charges.
- Compatible with Apple Pay and Google Pay digital wallets.
- Business Card Points may be used for eligible new GM or Certified Pre-Owned vehicles, GM Certified Service, GM Genuine Parts, GM Accessories and other eligible GM products and services at participating GM dealers.
- There is no limit to the number of Business Card Points that can be earned.
Questions
- What is the annual fee?
- $0 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3%. cards.barclaycardus.com, since Sep 29, 2026
- What is the purchase APR?
- 22.49–32.49% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there an intro APR?
- 0% for the first 9 billing cycles from the transaction date on all Qualifying GM Purchases greater than $499 made within 30 days from account opening. cards.barclaycardus.com, since Sep 29, 2026
- Is there a welcome bonus?
- 100,000 Business Card Points after $5,000 in purchases in 5 months. cards.barclaycardus.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Rewards MastercardBarclays · No annual feeabout the same
- CareCredit MastercardSynchrony · No annual fee−$190 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee−$205 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).