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Barclays credit card

GM Business™ Mastercard®

No annual fee. 100,000 Business Card Points after you spend $5,000 in 5 months. Purchase APR 22.49–32.49%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Barclays’s terms

Welcome offer

100,000 Points

After you spend $5,000 on purchases in your first 5 months.

Spending it takes
$1,000 a month
for 5 months
Tracking since
Sep 29, 2026
history will chart every change

Offer subject to credit approval. Conditions and limitations apply.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

GM Business Card Points

How you earn

7×
7x Business Card Points for every $1 spent on eligible GM purchases
3×
Everything else

Points per dollar.

Benefits

  • Use GM Business Card Points for in-dealer items related to Chevrolet, Buick, GMC, Cadillac and other GM products and services, including eligible new GM or Certified Pre-Owned vehicles, GM Certified Service, GM Genuine Parts and more.
  • Complimentary employee cards for authorized users.
  • Ability to control employee spending limits.
  • $0 fraud liability for unauthorized charges.
  • Digital wallet compatibility with Apple Pay and Google Pay.
All 7 benefits
  • 0% introductory APR for 9 billing cycles on qualifying GM purchases greater than $499 made within 30 days of account opening.
  • 0% promotional APR for 6 billing cycles on qualifying GM purchases greater than $499 made after 30 days of account opening.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR9 billing cycles from the transaction date on all Qualifying GM Purchases greater than $499 made within 30 days from account opening
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$0 · cards.barclaycardus.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each transaction in U.S. dollars.. · cards.barclaycardus.com, since Oct 8, 2026
What is the purchase APR?
22.49–32.49% APR · cards.barclaycardus.com, since Oct 12, 2026
Is there an intro APR?
0% for 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
See it on cards.barclaycardus.com

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