GM Business™ Mastercard®

The GM Business™ Mastercard® rewards small business owners with special benefits. Build earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle for the job. See Program Rules.

Approved Cardmember Offer

Get $750 in Bonus Earnings after spending $5,000 on the My GM Business™ Mastercard® in the first 5 months.

Introductory Purchase APR

0% Intro APR for the first 12 months; thereafter variable APRs range from 19.24% to 29.24%.

Annual Fee


Clicking Apply Now will take you to Goldman Sachs Bank website to apply for a GM Business™ Mastercard®. Application is subject to the Goldman Sachs Terms of Use and Privacy Policy.

Put Your Expenses to Work

Earn up to 5% toward the purchase or lease of an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle.

5% Earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories and paid Certified Service at authorized GM Dealers.

3% Earnings on purchases at gas stations, restaurants and office supply stores.

1% Earnings on all other purchases.


Earn and Redeem

There’s no limit to the amount of Earnings you can build up or redeem toward an eligible, new GM vehicle. Earnings don’t expire as long as your Account stays open and in good standing.

Combine Offers

Combine Earnings with most current vehicle offers for more potential value.

No-Cost Employee Cards

Add employee cards to your Account, set individual spending limits and track all individual spending activity – all at no additional cost.

No Annual Fee

No annual fee and no foreign transaction fee.

Mastercard Easy Savings®

The Mastercard Easy Savings Program® allows you to save on everyday expenses when using your enrolled Mastercard business card on qualified purchases at participating merchants nationwide. Learn more about the Mastercard Easy Savings® Program.

How to Redeem

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Choose your eligible, new Chevrolet, Buick, GMC or Cadillac vehicle at a participating GM dealership.

Choose your eligible, new Chevrolet, Buick, GMC or Cadillac vehicle at a participating GM dealership.

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Agree on your best price with your dealer after taking advantage of vehicle offers.

Agree on your best price with your dealer after taking advantage of vehicle offers.

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Deduct your Earnings plus any exclusive Cardmember offers from your agreed upon price.

Deduct your Earnings plus any exclusive Cardmember offers from your agreed upon price.

Rates and Fees

Introductory Annual Percentage Rate (APR) for Purchases

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

After that, your APR will be 19.24% to 29.24%; variable based on your creditworthiness.

Purchase APR

19.24% to 29.24%; variable based on your creditworthiness

APR for Cash Advances

29.99% variable

Annual Fee


Foreign Transaction Fee


Cash Advance Fee


Late Payment Fee

Up to $40

If you've got a question, we're here to help.

Find answers to your questions in the Support section. Not finding what you’re looking for? Contact a dedicated Member Support Specialist here.

My GM Rewards Program Terms & Conditions | My GM Rewards® Mastercard® Program Rules | GM Extended Family™ Mastercard® Program Rules | GM Business™ Mastercard® Program Rules | California Residents: Notice of Financial Incentive

GM Business Card Earnings Eligibility
GM Business Card 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. See your authorized GM Dealership for eligibility. Other exclusions may apply.  Please see the GM Business Card 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 1-833-773-0990.

ESB Offer Business Card 

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 traveler’s 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.

Business Card APR 
0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from 19.24% to 29.24% based on creditworthiness. Cash advances variable APR of 29.99%. Up to $40 late penalty fee. Rates as of 2/1/24. Rates and terms here:

GM Business Card 5% Earn 
[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% Gas  
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.

Mastercard Easy Savings 
Certain restrictions apply. Go to Mastercard Easy Savings® Program for details and exclusions.