GM Business Card Used to Earn or Redeem Points

GM BUSINESS CARD™

The GM Business Card rewards small business owners with special benefits. Build Earnings toward an eligible, new Cadillac, Chevrolet, Buick or GMC vehicle† for the job. See Program Rules.
GM Business Card Used to Earn or Redeem Points

APPROVED CARDMEMBER OFFER

Get $750 in Bonus Earnings after spending $5,000 on the My GM Business Card† in the first 5 months. 

INTRODUCTORY PURCHASE APR

0% INTRO APR FOR THE FIRST 12 MONTHS† ; THEREAFTER VARIABLE APRS RANGE FROM 16.24% TO 26.24%.

ANNUAL FEE

$0†

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

APPLY NOW

PUT YOUR EXPENSES TO WORK

Earn up to 5% toward the purchase or lease of an eligible, new Cadillac, Chevrolet, Buick or GMC vehicle.†
Redeem and Earn My Cadillac Reward Points When Taking Your Vehicle in for Service

5% Earnings on purchases of GM Genuine and ACDelco Parts, eligible accessories and paid Certified Service at authorized Cadillac Dealers.
Woman Fueling Her Cadillac Vehicle Using Her GM Business Card

3% Earnings† on purchases at gas stations, restaurants and office supply stores.
Woman Paying Restaurant Bill Using Her GM Business Card

1% Earnings on all other purchases.

BENEFITS
Cadillac XT5 Driving in City

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.
Cadillac Escalade Parked in Outdoor Park

COMBINE OFFERS

Combine Earnings with most current vehicle offers for more potential value.
Woman Paying Her GM Business Card Statement Online

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.
Woman Reviewing Her GM Business Card Statement

NO ANNUAL FEE†

No annual fee and no foreign transaction fee.
Woman Checking Her GM Business Card Balance Online

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
GM Business Card 1 Icon

CHOOSE

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

Choose your eligible, new Cadillac, Chevrolet, Buick or GMC vehicle at a participating GM dealership.
GM Business Card 2 Icon

AGREE

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.
GM Business Card 3 Icon

DEDUCT

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.

ALL RATES & FEES

Annual Fee

$0

Introductory Purchase APR

0% on purchases for the first 12 months

Purchase APR

16.24% - 26.24% variable

Transfer APR

16.24% - 26.24% variable

Cash Advance APR

29.24% variable

Transfer Fee

$0

Foreign Transaction Fee

$0

Cash Advance Fee

$0

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.
GET SUPPORT

My Cadillac Rewards Program Terms & Conditions. | My Cadillac Rewards Card Program Rules. | GM Extended Family Card Program Rules. | GM Business Card 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 gmcard.com or call 1-833-773-0990. 

 

ESB Offer Business Card
Subject to credit approval. Offer valid for new GM Business Card members who spend $5,000 or more in eligible purchases in their first 5 months 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 $750 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 Card account within two billing cycles after $5,000 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 Card 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.

 

Business Card APR
0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from 16.24% to 26.24% based on creditworthiness. Balance transfers: 16.24% to 26.24% variable APR. Balance transfers are not available at this time. Cash advances variable APR of 29.24%. Up to $40 late penalty fee. Rates as of 7/31/2022. Rates and terms here: https://www.marcus.com/us/en/credit-cards/gm-cards/rates-and-fees/business

 

3% Gas
Earnings will be applied based on the merchant category code used by the merchant who reports a transaction. GM and Goldman Sachs Bank USA are not responsible for merchant category code errors made by merchants. 

 

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

My Cadillac Rewards Program Terms & Conditions. | My Cadillac Rewards Card Program Rules. | GM Extended Family Card Program Rules. | GM Business Card 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 gmcard.com or call 1-833-773-0990. 

 

ESB Offer Business Card
Subject to credit approval. Offer valid for new GM Business Card members who spend $5,000 or more in eligible purchases in their first 5 months 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 $750 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 Card account within two billing cycles after $5,000 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 Card 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.

 

Business Card APR
0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from 16.24% to 26.24% based on creditworthiness. Balance transfers: 16.24% to 26.24% variable APR. Balance transfers are not available at this time. Cash advances variable APR of 29.24%. Up to $40 late penalty fee. Rates as of 7/31/2022. Rates and terms here: https://www.marcus.com/us/en/credit-cards/gm-cards/rates-and-fees/business

 

3% Gas
Earnings will be applied based on the merchant category code used by the merchant who reports a transaction. GM and Goldman Sachs Bank USA are not responsible for merchant category code errors made by merchants. 

 

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

  • 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 gmcard.com or call 1-833-773-0990.

  • Subject to credit approval. Offer valid for new GM Business Card members who spend $5,000 or more in eligible purchases in their first 5 months 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 $750 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 Card account within two billing cycles after $5,000 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 Card 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.

  • 0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from  16.24% to 26.24% based on creditworthiness. Balance transfers: 16.24% to 26.24% variable APR. Balance transfers are not available at this time. Cash advances variable APR of 29.24%.  Up to $40 late penalty fee. Rates as of  7/31/2022. Rates and terms here: https://www.marcus.com/us/en/credit-cards/gm-cards/rates-and-fees/business

  • Earnings, including those on rewards offer purchases, will be applied based on the merchant category code used by the merchant who reports a transaction.  GM and Goldman Sachs Bank USA are not responsible for merchant category code errors made by merchants.

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

  • The Manufacturer’s Suggested Retail Price excludes destination freight charge, tax, title, license, dealer fees and optional equipment. Dealer sets final price. Click here to see all Cadillac vehicles’ destination freight charges.

  • Safety or driver assistance features are no substitute for the driver’s responsibility to operate the vehicle in a safe manner. Read the vehicle’s Owner’s Manual for important feature limitations and information.

  • Functionality varies by model. Full functionality requires compatible Bluetooth® and smartphone, and USB connectivity for some devices.

  • Vehicle user interface is a product of Apple® and its terms and privacy statements apply. Requires compatible iPhone® and data plan rates apply. Apple CarPlay, Siri, iPhone and Apple Music are trademarks of Apple, Inc., registered in the U.S. and other countries.

  • Vehicle user interface is a product of Google and its terms and privacy statements apply. To use Android Auto on your car display, you’ll need an Android phone running Android 6 or higher, an active data plan, and the Android Auto app. Google, Android and Android Auto are trademarks of Google LLC.

  • Functionality is subject to limitations and varies by vehicle, infotainment system, and location. Select service plan required. Certain Alexa Skills require account linking to use. Amazon, Alexa and all related logos are trademarks of Amazon.com, Inc. or its affiliates. See onstar.com for additional details.

  • The system wirelessly charges one compatible mobile device. Some phones have built-in wireless charging technology and others require a special adaptor/back cover. To check for phone or other device compatibility, see my.cadillac.com/learnAbout/wireless-charging or consult your carrier.

  • Late availability.

  • AKG is a trademark of AKG Acoustics GmbH, registered in the United States and/or other countries.

  • Does not detect people or items. Always check rear seat before exiting.

  • Diagnostic capabilities vary by model and plan. Message and data rates may apply. Requires contact method on file and enrollment to receive alerts. Not all issues will deliver alerts. Click here for details and limitations

  • Limited Availability. Always pay attention while driving and when using Super Cruise. Do not use a hand-held device. Visit cadillac.com/supercruise for compatible roads and full details.

  • Requires Performance Package.

  • MSRP excludes tax, title, license, dealer fees and optional equipment. See dealer for details.

  • Read the vehicle's owner's manual for important feature limitations and information.

  • Late availability. Always pay attention while driving and when using Super Cruise. Do not use a hand-held device. Visit cadillac.com/supercruise for compatible roads and full details.

  • Lower-profile tires wear faster. Tire and wheel damage may occur on rough or damaged roads or from surfaces, curbs, debris or obstacles. This damage is not covered by the GM New Vehicle Limited Warranty. For more details, go to https://www.cadillac.com/support/vehicle/driving-safety/tires-wheels/tire-types or see your dealer.

  • Late availability. Always pay attention while driving and when using Super Cruise. Do not use a hand-held device. Requires active Super Cruise plan or trial. Terms apply. Visit cadillac.com/supercruise for compatible roads and full details.

  • Do not use summer-only tires in winter conditions, as it would adversely affect vehicle safety, performance and durability. Use only GM-approved tire and wheel combinations. Unapproved combinations may change the vehicle’s performance characteristics. Lower-profile tires wear faster. Tire and wheel damage may occur on rough or damaged roads or from surfaces, curbs, debris or obstacles. This damage is not covered by the GM New Vehicle Limited Warranty. For more details, go to my.cadillac.com/learnabout/tires or see your dealer.

  • Bose is a registered trademark of the Bose Corporation in the U.S. and other countries.

  • Packages will have limited, late, or no availability. See dealer for availability.
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