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GM Credit Card

Rewards812Reviews37Q&AContact

Excellent Credit, Good Credit

Annual Fee

Rewards

10,000 points after spending $1,000 on the Card in the first 90 days.

Earn 7 points for every $1 spent on paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, and most OnStar® and Connected Services plans.

Earn 4 points for every $1 spent using the card, anywhere, everyday.

Redeem up to $250 toward paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, most OnStar and Connected Services plans, GM Financial and Protection Plans, and SiriusXM®.

Redeem up to $1,000 toward the purchase of a Chevrolet, Buick, GMC or Cadillac Certified Pre-Owned vehicle.

Gold and Platinum Cardmembers can redeem up to $250 per calendar year on gift cards from a variety of eligible merchants, stores, restaurants and more, at a 1% redemption rate.

Gold and Platinum Cardmembers can receive a $100 statement credit for every $1,500 spent on fuel per calendar year or a $100 statement credit for six electric bill payments per calendar year.

Get a $50 allowance when you use your Card for vehicle detailing at a participating GM dealer every calendar year.

APR on Purchases

0% intro APR for 9 months, 15.24% - 25.24% (V) APR after that

Balance Transfer

APR: 15.24% - 25.24% (V)

Balance Transfer Fee $0

Editor's Take

by John Kiernan

May 17th, 2022

GM Credit Card Pros & Cons

No membership fees

0% intro APR on purchases

High rewards rate

10,000 points initial rewards bonus

No intro APR on balance transfers

Requires good/excellent credit

GM Credit Card Review

If you have a Buick, Cadillac, Chevrolet or GMC vehicle, or you know you're going to get one, the GM Credit Card definitely warrants consideration. But if your wheels are sporting another company’s logo or you’re even a bit unsure about what kind of car you’re going to get next,... show more

View 812 User Reviews

GM Credit Card's Additional Info

cash advance fee

cash advance APR

27.24% (V)

foreign transaction fee

smart chip

Yes, chip-and-signature

max late fee

$40

max overlimit fee

max penalty APR

None

grace period

25 days

Enjoy discounts and perks including DoorDash℠, Lyft™, ShopRunner℠ and Fandango℠.

Cardmembers can enjoy Concierge Services, Mastercard Travel & Lifestyle Services, Mastercard Airport Concierge and Mastercard Golf.

Questions & Answers

Don't see what you're looking for? Submit your question about GM Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How can I get a Capital One BuyPower card credit limit increase?

Upvotes

WalletHub

You can ask for a Capital One BuyPower credit limit increase by calling 1-800-955-7070. Simply choose “More Options” to hear the credit increase option.

To do it online, log in to your account and click the “Services” tab. You will receive an answer to your request within two to three business days.

Keep in mind that Capital One will not consider you for a credit line increase unless your account has been open for at least six months and you've consistently made on-time payments.

It's also important to note that requesting a higher credit limit may result in a hard inquiry on your credit report.

For more information, check our our guide on How To Get A Higher Credit Limit.

What's the GM Credit Card phone number for customer service?

Upvotes

Joyce Brown, WalletHub Credit Card Analyst

The GM Credit Card's phone number for customer service is (833) 773-0988. You can also call the number on the back of your card.

Ways to contact the GM Credit Card customer service:

Online: You can log in to your online account to contact customer... show more

What's the GM BuyPower credit score requirement?

Upvotes

WalletHub

You'll need at least "good" credit for GM BuyPower approval, which means a credit score above 700.

Your credit score won't be the only factor taken into consideration though, as issuers consider your overall financial picture, including your income and existing debt obligations, so your credit rating can only... show more

View more answers

Can I use my GM credit card for regular purchases?

Upvotes

thomas friedman, WalletHub Credit Card Analyst

Yes, you can use your GM Credit Card for regular purchases anywhere Mastercard is accepted.

Here's more info about the GM Credit Card purchases:

The GM Credit Card is on the Mastercard network. So you can use it at 10.7 million merchants locations in the U.S. alone. ... show more

Can the points be used for cars only?

Upvotes

After applying, how long does it take to receive the card?

Upvotes

WalletHub

If Capital One approves your application, you will receive the credit card by mail within 7-10 business days. If you need your card faster, you can pay $16 for expedited shipping and get it in 2-3 business days.

How can I access my account?

Upvotes

What is the fee to add an authorized user?

Upvotes

WalletHub

There is no fee for adding an authorized user to the card. Also, you can find a great article with tips about adding an authorized user here: https://wallethub.com/edu/authorized-user/24717/

What's the starting credit limit for the GM BuyPower card?

Upvotes

Nathan Preston

The starting credit limit for a GM BuyPower card is determined based on your credit history and disposable income, and there's really no way to know it before submitting an application.

However, considering that it requires at least good credit, the most creditworthy applicants in this credit range (with stable... show more

How does the GM BuyPower card's rental car insurance work?

Upvotes

Mark Fellek

The GM BuyPower rental car insurance policy provides coverage in case of collision and theft up to the cash value of most rental vehicles.

All you need to do is pay for your rental with your credit card and reject the optional collision damage waiver offered by the rental... show more

Compare The GM Credit Card

GM Credit Card

Citi Rewards+® Card

(812)

(68)

Purchase Intro APR0% for 9 months

Purchase Intro APR0% for 15 months

Transfer Intro APRNot Offered

Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Regular APR15.24% - 25.24% (V)

Regular APR14.24% - 24.24% (V)

Rewards Rate4 - 7 points / $1

Rewards Rate1 - 5 points / $1

Apply Now

GM Credit Card Reviews

Share your insights and review the GM Credit Card

3.5

What's Your Rating?

Marquitte
May 3, 2022 • @shannon3671

Verified Customer

Just got the card and reached the bonus points with first statement, however, have never been able to redeem them as the gift card site has been down 3 weeks. For a while, all charges were appearing twice, once in pending and once in posted. No statement credits for anything not GM related besides Onstar or Sirius and capped at 250 for gift cards you can't even redeem for. Just not what I was expecting.

Comment

jason_19702075
April 29, 2022 • @jason_19702075

This is a terrible card I have saved my points for 5 years and when I try to use my $4000 they will not help me and the dealer can not reach a supervisor to resolve the problem

Comment

1watt
April 12, 2022 • @1watt

Capital one customer, transferred to MARCUS by Goldman Sachs. 1st billing month...
Marcus suspended my card privileges 5 days after the billing due date, that is their policy! They had my payment, but due to slow processing it had not been posted! Unacceptable. lots of apologies. they need 10 days to process, they give their customers 5 days. Very poor billing practices. They cashed my ck "before" they notified me my card was suspended. Maybe GM should find a better company to do business with. I am going to ask them.

Comment

Boxxdorper
April 11, 2022 • @Boxxdorper

I have had this card since inception and have used the points to buy 3 vehicles over the years. However, with this switch to Marcus they suck. My first bill never arrived and now they cut my card off. I never failed to pay on time all the years I have had a gm card. As soon as I settle up this bill when I get it I will be cancelling this Goldmann Sachs Marcus pos. They want in your bank account and I am not doing that. Have always paid by mail with check. In my opinion they are SCAMMERS.

Comment

robertg_743
April 11, 2022 • @robertg_743

We have had a Gm Card since the card began, we have always received a paper statement, and have never had a late payment or any interest until Marcus by goldman sachs took over. we waited for the statement, and got concerned that it was late, but figured it was because of the switch over to Marcus. We found out that the statement was sent to an address clear across the state where we have never lived and because our payment was late with no notification, our card was shut off. We now have about $3800.00 in GM rebate on the card. We sent our check for the full amount, but got a notice of late charges. As soon as we get a final Statement from
Marcus, we will pay the balance at once as always and then shred the cards, GM rebate and all. I know they feel that everyone needs to pay on line, but that is not happening. Robert Gunderson, [email protected]

Comment

Scott K
March 17, 2022 • @scottpsu

Terrible! Avoid at all costs! The switch to Marcus has been horrendous. No physical card has shipped, no one answers support calls, app is junk, website leaves a lot to be desired. Rewards do not sync…all around poor experience. If I didn’t drive a GMC and want to buy a new one (in 6 years when they’re finally available and not 15k over sticker), I’d be gone. AMEX does it better.

Comment

Kelvin Dixon
March 5, 2022 • @IAWL1967

Previously a Capital One account, the GM card just seemed to be a good idea. However, since the sell to Marcus, there continues to be nothing but confusion and chaos with the new servicer. First, the auto-pay previously setup was canceled and minimum payments are now $2 more. The customer service number has yet to provide me with a live agent, even after waiting more than 90 minutes. The previous auto-pay has been labeled a past due amount, which I submitted immediately. Days later, a request is received for the following payment due date. Since I setup the Marcus app, a message displaying that payments can be made while spending is suspended. As of this posting, 42 minutes of my second attempt to reach customer service has passed. Is this supposed to be the warm and fuzzy feeling of a caring bank, I think not.

Comment

Shtterman
March 13, 2022 • @Shtterman

As bad as it can get!!!! NO customer service

Comment

Doug Palmieri
October 24, 2021 • @crowdscan

Bet you didn't know that with this card, you start paying interest on any purchase THE DAY THE CHARGE POSTS TO THE ACCOUNT. Doesn't matter if you pay the full balance entirely as soon as the bill comes in---you're paying interest immediately. For example: in the Sept 14-Oct 14 period, beginning with a $0 balance, we charged $221.20. When the bill came in (Not due until Nov. 8) they had already charged $5.74 in interest. So those various "rewards" you get you're actually paying for in cash. "Anniversary YTD" (Sept 1), the "earnings" were $22; the interest charged ---remember, this is all with a ZERO balance carry forward---is aprox. $10.25.
This may seem like small potatoes (since we now will barely use this card) but READ THE FINE PRINT ON THE BACK OF YOUR BILL (and congratulations if you can actually figure out what and how they charge.

Comment

dennis1121
July 14, 2021 • @dennis1121

cell phone insurance is a big disappointment. Paid my cell phone bill for years and when I needed coverage it was denied on a technicality after a month of card insurance coverage saying documentation was not valid after sending in many bills and statements. Just another marketing ploy that is really worth what you pay for it. nothing...

Comment

nicolenoel1226
May 28, 2021 • @nicolenoel1226

I was approved for this card when my credit score was not great at all. I think I might have been at a 600 when I got approved, so it was really nice to get approved for a card that didn't have an annual fee. I also got credit limit increases pretty often, and it has really helped my credit score.The interest rate is high so I wouldn't recommend using this unless you plan to pay it off each month.

Comment

Doug Palmieri
October 24, 2021 • @crowdscan

Bet you didn't know that with this card, you start paying interest on any purchase THE DAY THE CHARGE POSTS TO THE ACCOUNT. Doesn't matter if you pay the full balance entirely as soon as the bill comes in---you're paying interest immediately. For example: in the Sept 14-Oct 14 period, beginning with a $0 balance, we charged $221.20. When the bill came in (Not due until Nov. 8) they had already charged $5.74 in interest. So those various "rewards" you get you're actually paying for in cash. "Anniversary YTD" (Sept 1), the "earnings" were $22; the interest charged ---remember, this is all with a ZERO balance carry forward---is aprox. $10.25. This may seem like small potatoes (since we now will barely use this card) but READ THE FINE PRINT ON THE BACK OF YOUR BILL (and congratulations if you can actually figure out what and how they charge.

Comment

Review GM Credit Card

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GM Credit Card

GM Credit Card

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

GM Credit Card Pros & Cons

GM Credit Card Review

GM Credit Card's Additional Info

Questions & Answers

Ways to contact the GM Credit Card customer service:

Here's more info about the GM Credit Card purchases:

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