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Barclays

GM Business Mastercard

GM Business Mastercard card art

Estimated value every year on typical spending

$125/ year

Every year, after the annual fee. Year one adds a $400 welcome bonus: $525

+$125rewards−$0annual fee

Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.

Carry a balance? At 20%+ APR, interest usually costs more than any card earns.

Find the best card for your spending Try it on your spendingCompare with another cardVisit Barclays

Is it worth it?

With no annual fee, the Barclays GM Business Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending. The welcome bonus adds roughly $400 in the first year.

Its rewards are GM Rewards points, which only spend with one merchant, so we count them at 50% of face value.

The fine print

Intro APR
0% for the first 9 billing cycles
Regular APR
22.49% to 32.49% variable
Foreign fee
3%
Rewards paid as
GM Rewards points · counted at half value
Approval
Good credit recommended
Redeem for
Travel portal · Airline & hotel transfers · Statement credit · Gift cards

Rewards

  • 7x Business Card Points per $1 on eligible GM purchases
  • 3x Business Card Points per $1 on everything else

Sign-up bonus

100,000 bonus points after spending $5,000 in the first 5 months of account opening.

Best for

  • Business spending
  • Travelers who redeem points
  • Keeping costs at $0

Not ideal for

  • Anyone who doesn't shop there often (rewards are GM Rewards points, so we count them at half value)
  • People who want plain cash back

Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.

Worth knowing

Annual fee
$0
Intro APR
0% for the first 9 billing cycles
Regular APR
22.49% to 32.49% variable
Balance transfer fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
  • $1200/mo on everyday spending earns about $58/year (0.4x).

Offer history

No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.

All recent card changes

GM Business Mastercard: questions people ask

Is the Barclays GM Business Mastercard worth it?

With no annual fee, the Barclays GM Business Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending. The welcome bonus adds roughly $400 in the first year.

What is the Barclays GM Business Mastercard annual fee?

The Barclays GM Business Mastercard has no annual fee ($0).

What is the Barclays GM Business Mastercard welcome bonus?

Earn 100,000 bonus points after spending $5,000 in the first 5 months of account opening. We value it at about $400. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.

What does the Barclays GM Business Mastercard earn?

7x Business Card Points per $1 on eligible GM purchases. 3x Business Card Points per $1 on everything else.

What credit score do you need for the Barclays GM Business Mastercard?

The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.

Does the Barclays GM Business Mastercard charge foreign transaction fees?

Yes: 3%.

Does the Barclays GM Business Mastercard have a 0% intro APR?

0% for the first 9 billing cycles. After that the regular APR is 22.49% to 32.49% variable.

Similar cards

Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.