![]() ![]() Certified service, accessories, GM genuine parts and ACDelco parts, and GM protection plans (up to $250 annually).Chevrolet, Buick, GMC, or Cadillac certified pre-owned vehicles (up to $1,000 annually).You can redeem your points at a GM dealership or online.Īt the GM dealer, points can be redeemed for: It’s distributed as “My GM Rewards points,” which is effectively GM credit that you can use for specific GM purchases. Redeeming RewardsĪs with the welcome offer, the return you receive for spending with your GM Business Card™ isn’t hard cash. But 3% back on super common expenses like restaurants and gas stations is a big win for a card with no annual fee. The card’s 5% category is a bit niche and likely not a frequent spending category for even avid GM owners. 1% back on all other eligible purchases.3% in Earnings on purchases at gas, restaurants, and office supply stores.5% in Earnings on GM dealership parts or services.The GM Business Card™ gives some of the best-in-class return rates for spending in the following categories: Unfortunately, there’s a bit of a catch to this bonus - it’s not exactly “cash.” This detracts from the true value of the bonus, as I’ll explain in a minute. And the minimum spending requirement should be easily achievable for most small businesses. Most no annual fee cards tend to offer bonuses worth between $100 and $250 (though there are some exceptions), so $750 is definitely noteworthy. The GM Business Card™ comes with a $750 bonus after spending $5,000 on eligible purchases within the first five months of account opening. Other features: TurboTax discounts, business assistant concierge, free ShopRunner discounts, etc.Annual fee: None for primary cardholder or e mployee cards.Rates: Excellent earning rates for GM parts or services as well as for gas stations, restaurants, and office supply stores.After that the APR is variable APR of 18.99% to 28.99%. Intro APR: 0% APR for the first 12 Months on new purchases.Welcome offer: $750 after meeting minimum spending requirements.Best for: SMBs that own or plan to own a GM vehicle (Chevrolet, Buick, GMC, Cadillac).However, if you do make these kinds of purchases with regularity, this card is hard to beat. If you don’t purchase or lease a new car but once every six years ( like the average American), there might be more remunerative business credit cards for you and your business. ![]() If you don’t find yourself regularly swiping your card for GM parts and services, the card will underserve you. But the rewards it earns are almost exclusively GM oriented. Yes, it’s got an astronomical sign-up bonus for a no annual fee card. The GM Business Card™ is quite a niche specimen in the business credit card space, and it’s not a good fit for the average consumer. ![]()
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