The GM Business Mastercard (Barclays) is a business credit card from GM Business Mastercard (Barclays). Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 22.24% to 32.24% after a 0% APR for 9 months 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: Earn 7x Business Card Points for every $1 spent on eligible GM purchases and 3x Business Card Points for every $1 spent on everything else.. 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.