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GM Business Card
Issued By: Chase |
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New Online Tools Deliver Vital Business Management Capabilities Including the Ability to Manage Financial Data, Set Email Alerts, Conduct Spending Analysis, Manage Changes to Your Account and Download Reports
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Get a $600 Statement Credit Every Time You Purchase or Lease an Eligible New GM Vehicle through the GM Business Choice Program
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Accelerate Your Earnings with Free Cards for Each of Your Employees
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No Caps, No Limits - Unlike Most Other Reward Cards, There are NO Caps Placed on Earnings and Earnings are Not Limited to Specific GM Vehicles
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Get 1% Earnings on ALL Other Credit Card Purchases
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Get 3% Earnings on Fuel Purchases at the Pump, at Restaurants, Office Supply Stores and at Authorized GM Dealers on GM parts and Service
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CreditCard49 Rating
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Intro APR |
Intro APR Period |
Regular APR |
Annual Fee |
Intro Good On |
Credit Needed |
0.00% |
12 months |
14.240% |
none |
Purchases, Balance Transfers |
Very Good |
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Card Info Last Reviewed 2007-04-23 |
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Our Review
The GM Business Card, issued by Chase, is designed for business owners who own or plan to purchase or lease a new GM vehicle in the near future and would like to earn rebates for many business expenditures including gasoline.
Through the reward program, cardholders earn a 3% rebate on fuel purchases at the pump, at restaurants, office supply stores, and at authorized GM dealers on GM parts and service. Cardholders also earn a 1% rebate on all other purchases. There is no limit on the amount of rebates that cardholders can earn or redeem on eligible GM vehicles, parts, and service. Cardholders also get a $600 statement credit every time they purchase or lease an eligible new GM vehicle.
The interest rate for purchases and balance transfers is reasonable and there is no annual fee. This card also offers an attractive 0% introductory rate on purchases and balance transfers for the first twelve billing cycles.
Those who plan to occasionally carry a large revolving balance may find doing so costly due to the "Two Cycles Average Daily Balance" method used by this credit card to determine finance charges, which ends up costing more to maintain an occasional balance as compared to the "Average Daily Balance" method used by many credit card issuers.
This card does provide cardholders with many cardholder benefits such travel accident insurance, auto rental insurance, extended warranties on purchases, and lost and stolen card reporting.
Therefore, those who plan to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the reward program will benefit most from what the GM Business Card has to offer.
Additional Perks
Various Internet account related services.
Year-end financial statement (upon request).
Travel accident insurance.
Purchase protection.
Extended warranty for purchases.
Auto rental insurance (MasterRental).
No liability for unauthorized transactions.
Lost and stolen card reporting.
Various travel and emergency assistance services.
Emergency cash replacement.
Emergency card replacement.
See website for additional benefits.
Certain restrictions, limitations, and exclusions apply.
If an account is opened, please refer to the Guide to Benefits for details.
Notations
The APR for purchases and balance transfers varies according to the applicant's credit history and will be 5.99%, 9.99% or 14.99% + Prime Rate.
See website for complete terms and conditions of card usage and application disclosure.
View Website Details
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