Last Updated: 07/28/2025
SuperMoney User Recommendation Score +55
Strongly recommended11 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
20.24% - 29.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
N/A(Verified 08/07/2023)
Credit Score Range
660 - 850
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Annual Fee
$0
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Number of Reviews
My GM Rewards Card™ Review
This is a rewards card issued by Goldman Sachs Bank USA. If you're wondering whether My GM Rewards Card™ is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 7x.
- Get 15,000 bonus points when you spend $1,000 in your first 3 months.
- Points can be redeemed towards a new or leased GM vehicle with no cap on the amount you can redeem. Redeem for any amount with no minimum. For example, 10,000 points is worth $100 when redeemed for a new or leased GM vehicle. Points can be redeemed towards a Certified Pre-Owned GM vehcile up to 100,000 points ($1,000) per calendar year.
- Earn 7x total points for every $1 spent at GM. Earn 4x points for every $1 spent (everywhere else).
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- Earn unlimited 7x total points with GM. 4x points on purchases everywhere else.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 20.24% up to 29.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- $0 Balance transfer fee. This card does not charge a fee on balance transfers.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Soft credit pull. You can check whether you qualify for My GM Rewards Card™ without a hard pull on your credit report. Most credit card issuers don't offer this option.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of My GM Rewards Card
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My GM Rewards Card FAQ
Does My GM Rewards Card have a cash back or rewards program?
My GM Rewards Card is a rewards card.
| Description |
Does My GM Rewards Card have a signup bonus?
Yes. Earn unlimited 7x total points with GM. 4x points on purchases everywhere else.
Does My GM Rewards Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the My GM Rewards Card benefits?
My GM Rewards Card™ provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for My GM Rewards Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.My GM Rewards Card™ has a variable purchase APR that ranges from 20.24% up to 29.99%. My GM Rewards Card™ does not offer balance transfers. It also has a variable cash advance APR of 29.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does My GM Rewards Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0%
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does My GM Rewards Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for My GM Rewards Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does My GM Rewards Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for My GM Rewards Card?
The customer service number for My GM Rewards Card is (855) 730-7283.
What is the login page for My GM Rewards Card?
You can access the login page of My GM Rewards Card here.
How do people rate the customer service and user experience of My GM Rewards Card?
Overall, My GM Rewards Card is strongly recommended based on community reviews that rate customer service and user experience.
Does My GM Rewards Card™ report your account activity to credit bureaus?
Yes, My GM Rewards Card™ reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Goldman Sachs Bank USA perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. My GM Rewards Card allows you to check your rates with a soft credit pull.
How to apply for My GM Rewards Card
- Visit the website of My GM Rewards Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
My GM Rewards Card™ Disclosure: See terms.
View My GM Rewards Card™'s published terms & conditions
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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