GM Flexible Card: A Comprehensive Business Card Solution

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The GM Flexible Card is an innovative business card solution designed to meet the diverse needs of modern professionals. It's a game-changer for anyone looking to elevate their networking and business interactions.

This card is built with flexibility in mind, allowing users to easily switch between different card formats, such as business cards, loyalty cards, or even membership cards. The possibilities are endless.

One of the key benefits of the GM Flexible Card is its ability to be customized with various templates, designs, and information. This means you can create a unique card that reflects your personal brand and style.

With the GM Flexible Card, you can also store and manage multiple card types in one place, making it easy to access the information you need when you need it.

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Earnings Card Review

The GM Business Card offers a unique earning structure for business owners who want to purchase new Chevrolet, Buick, GMC or Cadillac vehicles. You can earn 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers.

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The GM Business Card also features a welcome offer, which is a 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers, 3% in Earnings on purchases at gas stations, restaurants, and office supply stores, and 1% on all other purchases.

If you're looking for a more general rewards card, the Chase card offers more flexibility. You can earn 5% back on up to $1,500 spent in categories that rotate quarterly (activation required), 5% on travel booked through Ultimate Rewards, 3% for dining and drugstore purchases, and 1% back on all other purchases.

Here's a comparison of the GM Business Card and the Chase card:

The GM Business Card is specifically designed for business owners who want to earn rewards toward new Chevrolet, Buick, GMC or Cadillac vehicles.

Card Features

The GM Business Card offers a range of benefits for business owners who want to earn rewards toward new Chevrolet, Buick, GMC, or Cadillac vehicles.

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You can earn a percentage of eligible purchases, depending on the type of purchase, with the GM Business Card. For example, you'll get 5% in Earnings on purchases of eligible GM parts, accessories, and service at authorized GM dealers.

Here's a breakdown of the earning rates:

The GM Business Card also features an appealing welcome offer, but unfortunately, it's no longer available through Nav.

Cardholder Experience

As a cardholder, you'll appreciate the flexibility of moving up through three membership tiers, giving you access to more benefits and exclusive offers.

The process of moving up is straightforward, with multiple paths to choose from, allowing you to select the approach that suits you best.

You can take advantage of the benefits and offers that come with each tier, tailored to your needs and preferences.

With three membership tiers to choose from, you'll have the freedom to select the one that best aligns with your lifestyle and spending habits.

Each tier offers a unique set of benefits and perks, so you can pick the one that fits your needs and budget.

By choosing your path and moving up, you'll be able to enjoy more rewards, discounts, and exclusive offers, all at your fingertips.

Move Up

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Moving up to more benefits and exclusive offers is a great way to get the most out of your card. The GM Business Card offers flexible ways to move up through three membership tiers.

You can earn rewards on your purchases, with 5% in Earnings on eligible GM parts, accessories, and service at authorized GM dealers, 3% in Earnings on purchases at gas stations, restaurants, and office supply stores, and 1% on all other purchases. This can add up quickly, especially if you regularly make purchases in these categories.

The GM Business Card also features a welcome offer that's hard to pass up. The My GM Rewards Card, a personal credit card, earns unlimited points toward an eligible, new GM purchase or lease.

Business Card Basics

The GM Business Card is a business credit card designed for business owners who want to earn rewards toward eligible, new Chevrolet, Buick, GMC or Cadillac vehicles.

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It earns a percentage of eligible purchases, depending on the type of purchase. For example, cardholders get 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers.

There's also a GM personal credit card: My GM Rewards Card, which earns unlimited points toward an eligible, new GM purchase or lease.

The GM Business Card features an appealing welcome offer, but it's no longer available through Nav, the company that collected the information independently.

The GM Business Card has specific earning rates for different types of purchases, including gas stations, restaurants, and office supply stores, which earn 3% in Earnings.

Here's a breakdown of the earning rates for the GM Business Card:

Rewards and Benefits

The GM Flexible Card offers a range of rewards and benefits that make it a great option for car owners.

With the My GM Rewards program, you can earn points on eligible vehicle purchases, services, and accessories. You'll also get a boost in status levels based on your spending, with tiered benefits at Silver, Gold, and Platinum levels.

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Here's a breakdown of the benefits you can expect at each level:

You can also redeem points for gift cards from a variety of merchants, stores, restaurants, and more.

Pros and Cons

The CardName offers a range of benefits to its users, but let's take a closer look at the pros and cons.

One of the biggest advantages of the CardName is that it has no annual fee, foreign transaction fees, or cash advance fees, making it a great option for those who want to avoid unnecessary charges.

The CardName also offers an introductory 0% APR for the first 9 months, which can be a huge help for those who need to make large purchases or consolidate debt.

You can earn 15,000 bonus points after spending $1,000 on the My GM Rewards Mastercard in the first three months of opening an account, which can be a great starting point for rewards.

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The CardName earns seven points for every $1 spent at a General Motors dealership for products and services, and four points per $1 spent on other purchases, which can add up quickly.

Rewards don't expire as long as the card is still active, which means you can keep earning points without worrying about them expiring.

Here are some of the benefits of the CardName in a nutshell:

  • No annual fee, foreign transaction fees, or cash advance fees
  • Introductory 0% APR for the first 9 months
  • 15,000 bonus points after spending $1,000 in the first three months
  • 7 points per $1 spent at General Motors dealerships
  • 4 points per $1 spent on other purchases
  • No expiration on rewards

One of the benefits of the CardName is that it offers 24/7 customer service, which can be a huge help if you have any questions or issues with your account.

The CardName also has a mobile app available from Google Play and the Apple Store, which makes it easy to manage your account on the go.

Additionally, the CardName offers a range of perks, including a $100 statement credit when you spend $1,500 in fuel at eligible gas stations in a calendar year, or a $100 statement credit for using the card to pay six months of electricity bills.

You can also earn a $50 allowance per calendar year toward vehicle detailing services at a participating GM dealer.

Benefits

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The benefits of the GM Rewards program are one of its strongest selling points. You can earn points on new GM vehicle purchases, with the MSRP value counting towards your progress.

The program is tiered at Silver, Gold, and Platinum levels, with spending on paid GM Certified Service, eligible accessories, and parts helping you move up the ranks. Cardmembers with the GM Business Card or GM BuyPower Card automatically start with Gold tier status.

You can redeem points for a wide range of things, including paid GM Certified Service, eligible accessories, and parts. You can also use your points for gift cards from various merchants, stores, restaurants, and more.

One of the best benefits of the GM Rewards program is the ability to earn points on most things you already do with Chevrolet. This includes eligible new GM vehicle purchases, most OnStar plans, and paid Chevrolet Certified Service.

Here are some of the benefits you can expect from the GM Rewards program:

  • No annual fee, foreign transaction fees, or cash advance fees
  • An introductory 0% APR for the first 9 months, then a regular APR
  • 15,000 bonus points after spending $1,000 on the My GM Rewards Mastercard in the first three months
  • Earn seven points for every $1 spent at a General Motors dealership
  • Earn four points per $1 spent on other purchases

Additionally, you can enjoy discounts with merchants and services like Fandango, Lyft, DoorDash, and ShopRunner. You'll also have access to travel concierge services and identity theft protection.

Fees and Structures

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The GM Business Card has a competitive fee structure, with no annual fee and no foreign transaction fee, making it a great option for businesses that travel abroad or want to avoid unnecessary charges.

You'll also appreciate the intro APR, which is 0% for the first 12 months, variable of 19.24% to 29.24% APR after. This can be a lifesaver for businesses that need to finance purchases over time without breaking the bank.

Here are the earning rates for purchases in popular spending categories:

  • 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers
  • 3% in Earnings on purchases at gas stations, restaurants, and office supply stores
  • 1% on all other purchases

Downsides of the Card Name

The Card Name has its limitations, and one of the main downsides is the limited redemption options for points earned. You can only redeem points if you're already a GM consumer or plan to be one soon.

If you're not already a GM consumer, or don't plan to be one anytime soon, the card isn't for you. This is because redeeming points for gift cards doesn't yield good value.

Redeeming points for gift cards is not the most valuable option, so if you're not looking to use points toward something GM-related, you're better off with a more general rewards card.

A different take: Gm Card Points

Business Fee Structures

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No annual fee and no foreign transaction fee make this card very competitive cost-wise. This is a significant advantage for businesses that travel or make international purchases.

The intro APR is another cost-saving feature, offering 0% Intro APR on purchases for the first 12 months, followed by a variable APR of 19.24% to 29.24%. This can be a valuable option for businesses that need to finance purchases over time.

Free employee cards are a great benefit, allowing businesses to accumulate rewards on all eligible card purchases and accelerate both rewards and status. This is a convenient way for businesses to manage their employee expenses and earn rewards.

Compared to other business card offers, the earnings rate for purchases in popular spending categories is competitive. For example, cardholders can earn 5% in Earnings on purchases of eligible GM parts, accessories, and service at authorized GM dealers.

Card Comparison

The GM Flexible Card offers a $200 cash-back bonus when you spend $500 in the first three months, but that's not the only option out there.

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If you're looking for a card with more flexibility, consider the Chase card, which offers 15,000 bonus points for spending $1,000 in the first three months.

The GM Flexible Card also has rotating categories that earn 5% back on up to $1,500 spent each quarter, but you'll need to activate it first.

On the other hand, the Chase card offers 5% back on travel booked through Ultimate Rewards, which is a great perk for frequent travelers.

You can also earn 3% back on dining and drugstore purchases with the GM Flexible Card, but the Chase card has a more limited rewards structure.

The GM Flexible Card has a more specific rewards structure, with seven points for every $1 spent on General Motors purchases and four points for every $1 spent on all purchases.

Frequently Asked Questions

What credit score do you need for a GM card?

To be approved for a GM card, you'll typically need a credit score of 700+ and good credit history. A higher credit score and stable income can improve your chances of approval.

What is the earning limit for GM card?

There is no limit to the amount of Earnings you can accumulate on your GM Business Card. Your Earnings can be redeemed toward a new vehicle and combined with other GM offers and incentives.

Colleen Pouros

Senior Copy Editor

Colleen Pouros is a seasoned copy editor with a keen eye for detail and a passion for precision. With a career spanning over two decades, she has honed her skills in refining complex concepts and presenting them in a clear, concise manner. Her expertise spans a wide range of topics, including the intricacies of the banking system and the far-reaching implications of its failures.

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