The GM Business Card from Chase, a division of the Visa credit card company, offers a chance for the small business owner to reap the benefits of a rewards program while taking advantage of access to a high line of credit. Chase understands the need and importance of having capital immediately available in order to maximize your small business' potential. Whether you are paying for business trips, for training to maximize your employee's potential, or just for office supplies and day-to-day expenses, the GM Business Card from Chase offers you a chance to bolster your business while earning valuable points towards GM purchases.

The key to the GM Business Card from Chase are, of course, the valuable points you can earn towards a new GM vehicle. With this credit card and through its partnership with General Motors, you will receive a 3% reward offering every time you make a purchase on the card at the gas station, when you go out for office supplies, or when you use the card to pay for your business meals at restaurants. You will also receive the 3% rewards when you use your card to pay for GM parts and services. For all other business purchases paid for on your card, you can expect to receive 1% earnings. The great thing about this card from Chase is that, unlike other rewards style credit cards for small businesses, there is no limit or caps placed on earnings. In fact, your General Motors earnings do not even need to be used on specific GM vehicles. You may redeem your earnings on any purchase of the latest models of GMC, Hummer, Chevrolet, Pontiac, Buick, Cadillac, or Saturn vehicles. Your earnings can be redeemed in up to five years after you earn them.

The GM Business Card from Chase offers an introductory period of 12 billing cycles. During this time, you will receive the special fee of 0% APR. This even includes any transfers you might like to make from high interest credit cards. Transferring your balances is always a good idea when you come across this kind of deal as the interest from high rate cards can begin to add up. You will also be able to keep track of your accounts more easily when they are consolidated under one card. With no annual fee to boot, the GM Business Card is a good choice for the cost savvy business person.

After your introductory period has ended, you will pay 14.24%, 18.24%, or 23.24% APR, subject to your credit card history and your application. There will still be no annual fee. If you are looking to apply for cash advances, the GM Business Card charges an APR of 24.24%. Other fees for the card include a 3% charge applicable to cash advances, account transfers and international currency exchanges. Also, expect to pay fees in the event of credit overdraft and late payments.

In terms of consolidation, you can apply for free additional GM Business Cards for employees of your business. You can also monitor your business expenditure with the online tools available through this major credit card, including the ability to manage financial data, special email alerts, downloadable reports and spending analysis.

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