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My GM Rewards Card™

My GM Rewards Card™

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Annual Fee

Rewards

The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*

Get 15,000 bonus points after you spend $1,000 in your first three months.*

Earn unlimited 7x total points with GM.*

Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM

APR on Purchases

0% intro APR for 12 months, 19.24% - 29.24% Variable APR after that

Balance Transfer

APR: 19.24% - 29.24% Variable

Balance Transfer Fee $0

WalletHub Review

by John Kiernan

January 27th, 2023

GM Rewards Card Pros & Cons

No membership fees

0% intro APR on purchases

High rewards rate

15,000 points initial rewards bonus

No intro APR on balance transfers

High regular APR

Requires good/excellent credit

GM Rewards Card Review

If you have a Buick, Cadillac, Chevrolet or GMC vehicle, or you know you're going to get one, the My GM Rewards 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... show more

View 824 User Reviews

GM Rewards Card's Additional Info

cash advance fee

cash advance APR

29.99% Variable

foreign transaction fee

smart chip

Yes, chip-and-signature

max late fee

$40

max overlimit fee

max penalty APR

None

grace period

25 days

Apply Now

at Marcus by Goldman Sachs' secure site

0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*

No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*

See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.

Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.

Please note: approval is not guaranteed if you meet the credit score requirements listed above; many other factors are taken into consideration when considering your application.

Apply Now

at Marcus by Goldman Sachs' secure site

Questions & Answers

Can't find what you are looking for? Submit your question about My GM Rewards Card™ to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Can I get a GM Rewards Card credit limit increase?

Upvotes

WalletHub

No, you cannot get a GM Rewards Card credit limit increase at this time. However, the option to increase your GM Rewards Card credit limit will be available in the future, according to customer service. This is due to the fact that this card has changed issuers recently.

To increase your chances of getting a credit limit increase once this option is available, you should:

Make on time payments and pay down your balance in full, if possible
Keep your credit utilization ratio below 30%, as a higher ratio might hurt your credit
Use your credit card responsibly

Ultimately, call customer service at (888) 316-2390 for more info regarding the GM Rewards Card credit limit increase.

What's the GM Credit Card customer service number?

Upvotes

Joyce Brown, WalletHub Credit Card Analyst

The GM Rewards Card customer service number is (833) 773-0988. You may also call the number on the back of your card for assistance.

Ways to contact the GM Rewards Card customer service:

Online: You can log in to your online accountto contact customer service...

What's the GM Rewards credit score requirement?

Upvotes

WalletHub

You'll need at least "good" credit for GM Rewards Card 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...

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 Rewards Card for regular purchases anywhere Mastercard is accepted.

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

The GM Rewards Card is on the Mastercard network. So you can use it at 10.7 million merchants locations in the...

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.

What's the GM credit card signup bonus?

Upvotes

Rhonda Stewart, WalletHub Loans Analyst

The GM Rewards Card signup bonus is 15,000 points after spending $1,000 in the first 3 months.

In addition, the GM Rewards Card also offers 7 points per $1 spent with GM, as well as 4 points per $1 spent on all other purchases. Its annual...

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 Rewards card?

Upvotes

Nathan Preston

The starting credit limit for a GM Rewards 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...

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

Upvotes

Mark Fellek

The GM Rewards 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...

Can the points be used for cars only?

Upvotes

Compare The GM Rewards Card

My GM Rewards Card™

Wells Fargo Autograph℠ Card

Citi Rewards+® Card

(824)

(8)

(73)

Purchase Intro APR0% for 12 months

Purchase Intro APR0% for 12 months from account opening

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 APR19.24% - 29.24% Variable

Regular APR17.74% - 27.74% (V)

Rewards Rate4 - 7 points / $1

Rewards Rate1 - 3 points / $1

Rewards Rate1 - 2 points / $1

GM Rewards Card Video Review

GM Rewards Card Reviews

Share your insights and review the My GM Rewards Card™

3.5

What's Your Rating?

sdodgeb
December 28, 2022 • @sdodgeb

I have been a GMcard member since 1993. I have never had an issue up until the card was taken over by Goldman Sachs/Marcus. Since this time I have had to call them twice to remove late fees that were due to their late processing of payments. I had tracking information proving payments were received on time but they were just not processed in a timely manner. GS/Marcus would not reverse the last fees so I will no longer use the card just for the billing hassles it creates.

Comment

Ken P
December 1, 2022 • @darkstar

Was accepted for this Credit Card with a 690 Credit Score and 7 hard Pulls on TransUnion. FYI that may help those who wonder if they may qualify or not

Comment

dlmarshall213
August 29, 2022 • @dlmarshall213

Marcus monthly statements don't include point earnings. Twice my card was rejected at the airport and later received email from Marcus wrong card expiration date was entered at transaction. You don't enter an expiration date when swiping or inserting your card. Capital One they are not.

Comment

Chris Anderson
August 25, 2022 • @BiologyTeacher

Customer support is lacking. Husband's new card doesn't work and the customer support can't understand why, or figure out a solution. Can't link rewards site with Marcus so all rewards are wiped out. Minimal rewards on top of that. I haven't been using the card for more than six months because I'm waiting to see if Marcus can figure out how to service credit cards. If you are thinking about getting a card from Marcus, I don't recommend it.

Comment

russellstrahan
August 11, 2022 • @russellstrahan

Marcus (Goldman Sachs) royally screwed this up. No customer support, their website is imponderable and online statements don't match the mailed statements. The most incompetent institution EVER...

Comment

Je Drew
July 17, 2022 • @jld1373

The worst card! I received the GMCard by Marcus with a credit limit of $500. My limit was reduced in the merger. Never have I had a $500 limit. I called them to see if I could have the limit increased, and was told no and no negotiations because of the merger, only business cards could be increased. I then explained days later via the chat that I was making daily charges of $500 and the following day paying it off so I could get points and repeating to a certain amount and same vendor. I was told no problem that notes were made that it wasn't fraud on a Friday. On Monday, I paid the $500 charge off and tried to charge $500 and was declined. I called and got a representative that explained it looked like fraudulent activity because it was the same dollar amount. I asked if they read the notes i requested to be put on Friday. There were no notes and the rep said she couldn't do anything when the system holds the card until the end of the monthly cycle. I complained about the service and limit with a supervisor with no budging from them. Well today, 3 days before the cycle ends I see on experian they raised my limit another $500. What a joke! I have limits that I can charge a car on if needed. I work in an industry that offers credit cards and the client never gets told no. I now have GM points that when I go for a GM car, they will round up. Other than that they can keep their card. Service is horrible and a shame.

Comment

Kristine
October 5, 2022 • @bostalkin4567

Your story is identical to what they did to me. I was even willing to purchase a vehicle. I was made to look shady.

Comment

Jim Lichtenthal
June 24, 2022 • @ReasonableGuy

The switch to Marcus by Goldman Sachs has been pitiful. Navigation on the website is a maze of confusion. Can't find out how much my GM earnings are.....and their instructions do not work. Really amazingly bad transition.....take note GM. You made a bad decision. Who is sleeping with whom? Someone needs to be fired.

Comment

gerry onad
June 24, 2022 • @gerry0

I was nervous when GM dumped Capital One for Goldman Sachs and my fear was justified. I couldn't cash in some of my GM points to purchase a gift card because they discontinued that option. Recently I had to replace my card (fraud prevention) it took Marcus almost a month to ship the replacement card and it took another week to receive it because they sent it US Mail. I can't imagine there won't be any more problems down the line. I need to pay off this balance and close this card as soon as possible.

Comment

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

Review My GM Rewards Card™

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My GM Rewards Card™

My GM Rewards Card™

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

WalletHub Review

GM Rewards Card Pros & Cons

GM Rewards Card Review

GM Rewards Card's Additional Info

Questions & Answers

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