The Barclays is a business credit card from Barclays. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 22.49% variable to 32.49% variable (Prime Rate + 15.49% to 25.49%; terms current as of 09/30/2026) after a 0% intro APR for 9 billing cycles from the transaction date on Qualifying GM Purchases over $499 made within 30 days of account opening; then 0% promotional APR for 6 billing cycles on Qualifying GM Purchases over $499 made after 30 days; not on other purchases, balance transfers or cash advances introductory rate for 9 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: Earn 100,000 bonus points after spending $5,000 in the first 5 months of account opening.. Rewards: 7 Points per $1 on eligible GM purchases (new/certified pre-owned vehicles, customer-paid Certified Service, GM Genuine/ACDelco parts, GM accessories, SiriusXM, GM Energy, GM Company Store, GM Insurance, OnStar); 3 Points per $1 on all other eligible Net Purchases; points redeemed through GM dealers; points expire after seven years with no earning or redemption. Loan terms: Revolving business credit card; at least 20 days grace period for purchases if the previous balance is paid in full by the due date (none for cash advances or balance transfers); minimum interest charge $1.00; average daily balance method. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). Application rules: • 6/24 Rule: May deny if 6+ cards (any bank) in past 24 months (inconsistently enforced). • 24-Month Rule: No repeat welcome bonus within 24 months on same card. Some cards say "no bonus if you've EVER had this card." • No Duplicate Cards: Must cancel and wait ~6 months before reapplying for same card. • ~1 personal card per 6 months (velocity limit, not strict). • No strict card count limit, but limits total credit and considers spending on existing Barclays cards. • Primarily TransUnion. Will pull Experian if TU frozen. • Status: (888) 232-0780. Recon: (866) 408-4064. Recon: (866) 408-4064 Recon Alt (community-reported, unverified): (877) 523-0467. Formerly issued by Marcus/Goldman Sachs, now Barclays (as of Aug 2025). 3% back on GM purchases, 1% on all other. Initial application is soft pull; accepting offer triggers hard pull.