The minimum requirements for the GM Business™ Mastercard® are being an owner, officer, or partner of a business, having at least good personal credit, and earning enough income to make monthly card payments. You'll also need a Social Security number or International Tax Identification Number.

Minimum GM Business™ Mastercard® Requirements

• Enough income to make the monthly minimum payment
• Social Security number or International Tax Identification Number
• Good credit or better (700+ credit score)
• Employer Identification Number (EIN)    
• At least 18 years old
• Personal information, such as your full name and email address
• Physical U.S. address (no P.O. boxes)

If you apply for the GM Business™ Mastercard®, make sure you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime. Similarly, keep in mind that the above requirements are guidelines and approval is never guaranteed.

If you don't know whether your credit score qualifies you for the GM Business™ Mastercard®, you can check it for free on WalletHub. It's also worth checking out our editor's guide on how to improve your credit score.

The GM Business™ Mastercard® credit limit is usually around $1,000 to start, according to forum posts, and some cardholders report limits as high as $40,000. Marcus by Goldman Sachs does not include any specific GM Business™ Mastercard® credit limit information in the card's terms, though.

For the most part, GM Business™ Mastercard® credit limits depend on each applicant's overall creditworthiness. Those with the highest income and best credit scores will generally be offered the highest starting credit limits.

That...

The GM Business™ Mastercard® is issued by Goldman Sachs. Aside from the GM Business™ Mastercard®, other Goldman Sachs credit cards include the Apple Card.

The GM Business™ Mastercard® is intended for applicants with good credit. Its key features are 3 - 7 points per $1 on purchases, an initial bonus of 100,000 points after spending $5,000 in the first 5 months, and an introductory purchase APR of 0% for 6 - 9 months. The annual fee is $0.

No, the GM Business™ Mastercard® does not offer roadside assistance. The GM Business™ Mastercard® has never offered a roadside assistance benefit, though you may be eligible for roadside assistance through alternate sources, like your auto insurance company, an auto club such as AAA, or your vehicle's manufacturer.

For more information, check out WalletHub's picks for the best roadside assistance plans of 2025.

No, the GM Business™ Mastercard® does not have return protection coverage. Return protection is a benefit that offers reimbursement for undamaged, working items purchased with a credit card that cannot be returned to the merchant within a certain number of days of purchase. This benefit is becoming rarer as time goes on, however, as many issuers have dropped it to cut costs.

If return protection is important to you, there are still a few good cards...

Yes, the GM Business™ Mastercard® does have travel insurance. GM Business™ Mastercard® rental car insurance covers damage to a rental vehicle from collision or theft, as long as the purchases are charged to the card.

To file a GM Business™ Mastercard® travel insurance claim, you'll need to contact the Benefit Administrator. For more details, including time frames and coverage limits, refer to the guide to benefits that came with your GM Business™ Mastercard®.

If you're looking for a credit card with...

The best GM Business™ Mastercard® promotion is an initial bonus of 100,000 points in earnings. To get this GM Business™ Mastercard® promotion, cardholders must spend $5,000 in the first 5 months. There are a few other noteworthy GM Business™ Mastercard® promotions to take advantage of as well.

GM Business™ Mastercard® Promotions for September 2025

• An initial bonus of 100,000 points in earnings
• An introductory APR of 0% for 6 - 9 months on purchases (22.99% - 32.99% (V) regular APR after that)

Credit card promotions change often, so...

The GM Business™ Mastercard® offers rental car insurance as a free benefit. GM Business™ Mastercard® rental car insurance covers physical damage and theft of a rental vehicle, reasonable towing costs, and any valid loss-of-use charges from the rental agency. Cardholders are covered up to the actual repair amount, wholesale market value or the rental agency's purchase invoice less salvage and depreciation. To get the coverage, a cardholder must decline the rental agency's insurance and pay for the rental entirely...

The GM Business™ Mastercard® does not offer price protection. The GM Business™ Mastercard® lack of a price protection benefit is not uncommon these days, as more and more credit cards have dropped this perk. Recent advances in price-tracking technology have led to a dramatic increase in price protection claims, making the benefit too expensive for some issuers to sustain.

In general, credit card price protection allows cardholders to receive a refund for the difference between an item's original...

To contact the GM Business™ Mastercard® reconsideration line, call 1-833-773-0990. Calling the GM Business™ Mastercard® reconsideration line is a way for denied applicants to request a second review of their application and potentially get the denial overturned. In the case of GM Business™ Mastercard®, the reconsideration line is the same as the general Goldman Sachs customer service number.

If you call to request reconsideration from Goldman Sachs, make sure you are prepared to make an argument for why you should...