GM Business Card™
GM Business Card™
in Business Credit Cards from Goldman Sachs Bank USA

GM Business Card™

in Business Credit Cards from Goldman Sachs Bank USA
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Purchase APR  (Variable APR) 16.24% - 26.24%
Balance Transfer APR  (Variable APR) 16.24% - 26.24%
Credit Score Range N/A
Annual Fee $0

GM Business Card™ Review

Key Takeaways

  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Signup bonus. Offers a signup bonus of $750.
  • Competitive APRs. GM Business Card™ has a variable purchase APR that ranges from 16.24% up to 26.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • Annual fee waived the first year. GM Business Card™ gives you the chance to have the card for a year without paying the $0 annual fee.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Gas rewards. 3% cashback on eligible gas purchases.

Pros & Cons of GM Business Card

The Good The Bad
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Annual fee waived during the first year.
  • Free access to your credit score.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Does not report to credit bureaus.
  • Does not include many credit card benefits.

GM Business Card FAQ

Who is GM Business Card designed for?

This is a credit card issued by Goldman Sachs Bank USA. 

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 16.24% up to 26.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 26.24%.

It also has a variable cash advance APR of 29.24%.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

GM Business Card Rates & Terms
Purchase APR 16.24% - 26.24%
Balance Transfer APR 16.24% - 26.24%
Cash Advance APR 29.24%

What fees does it charge?

The following fees apply to this business credit card:

  • There is no annual fee.
  • A late payment penalty of up to $40.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

GM Business Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Balance Transfer Fee 0%
Late Payment Fee up to $40

Does it offer a cash back rewards program?

Yes, GM Business Card offers a rewards program to its customers. The rewards program allows you to earn cash with every purchase you make. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Advertising Services
  • Airfare
  • Car Rentals
  • Internet, Cable and Phone Services
  • Drug Stores
  • Education
  • Every Purchase
  • Furniture
  • Gas stations
  • Groceries
  • Gyms
  • Home Improvement
  • Hotels
  • Insurance
  • Office Supply Stores
  • Restaurants
  • Retail
  • Shipping
  • Software, Hardware, Cloud
  • Utilities
  • Warehouse Clubs

Does it have a sign up bonus?

Yes, it offers card users a signup bonus worth up to $750.

Does it offer an annual loyalty bonus?

This business card doesn't offer a cash loyalty bonus.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • Free Credit Score

What is the customer service phone number?

The customer service number for this business card is (855) 730-7283.

How to apply?

  • Visit the Goldman Sachs Bank USA .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
Foreign Currency Transaction Fee 0%
Late Fee Amount Up to $40
No Annual Fee
No Annual Fee First Year
No Foreign Transaction Fee
Credit Card Benefits
  • Free Credit Score
Bonus Rewards Get $750 in Bonus Earnings to redeem with GM towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months.*
Rewards Categories
  • 3% Cash Back on Gas
  • 1% Cash Back on Every Purchase
  • 5% Cash Back on In-Store Eligible Purchases
Signup Bonus $750
Cash Advance APR (Variable APR) 29.24%
Purchase APR (Variable APR) 16.24% - 26.24%
Balance Transfer Fee % 0%
Balance Transfer APR (Variable APR) 16.24% - 26.24%
Card Network Mastercard
Card Type
  • Rewards
  • Balance Transfer
  • Cashback
  • Gas
  • Bonus Offers
  • Zero Percent

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