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My GM Rewards Card™

in Personal Credit Cards from Goldman Sachs Bank USA

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My GM Rewards Card™

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in Personal Credit Cards from Goldman Sachs Bank USA

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 15.24% - 25.24%
Balance Transfer APR  (Variable APR) 15.24% - 25.24%
Credit Score Range N/A
Annual Fee $0

My GM Rewards Card™ Review

This is a store rewards credit card issued by Goldman Sachs Bank USA. If you're wondering whether My GM Rewards Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 9 months.
  • Signup bonus. Offers a signup bonus of 10000 points after spending $1,000 within 3 months that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. My GM Rewards Card™ has a variable purchase APR that ranges from 15.24% up to 25.24%.
  • 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.
  • 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.
Pros & Cons of My GM Rewards Card
The Good The Bad
  • Earn a $100 statement credit when you spend $1,500 on gas in a calendar year, or earn a $100 statement credit when you use your My GM Rewards Card to pay 6 electical bills in a calendar year.
  • $50 annual vehicle detailing allowance.
  • Potentially lower than average purchase APRs.
  • 0% APR on new purchases during the first 9 months.
  • No annual fee.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • My GM Rewards Card™ reports to multiple credit bureaus.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
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.

My GM Rewards Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus (Points/Miles) 10000
Signup Bonus Spend Requirement $1000
Signup Bonus Spend Period (months) 3 months

Does My GM Rewards Card have a signup bonus?

This card doesn't offer a cash signup bonus. However, it does include a 10000 points signup bonus after spending $1000 that can be redeemed for travel, gifts, or other perks.

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

My GM Rewards Card™ has a variable purchase APR that ranges from 15.24% up to 25.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 25.24%. It also has a variable cash advance APR of 27.24% .

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?

No, it does not come with an intro APR offer for balance transfers.

Does My GM Rewards Card have an intro APR offer on new purchases?

My GM Rewards Card™ Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 9 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 9 months.

What are the fees for My GM Rewards Card?

The following fees apply:

My GM Rewards Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Late Payment Fee up to $40

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 My GM Rewards Card customer service number is .

What is the support contact email for My GM Rewards Card?

The support contact email for My GM Rewards Card is gs-investor-relations@gs.com.

How do people rate the customer service and user experience of My GM Rewards Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does My GM Rewards Card™ report your account activity to credit bureaus?

Yes, My GM Rewards Card™ reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for My GM Rewards Card

  • Visit the My GM Rewards Card website.
  • 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.

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.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 9 months
Cash Advance Fee (%) 0%
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Bonus Offer Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.
Signup Bonus (points) 10,000
Rewards Type Cash Back
Cash Advance APR (Variable APR) 27.24%
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 15.24% - 25.24%
Balance Transfer Fee % After Intro Period 0%
Balance Transfer APR (Variable APR) 15.24% - 25.24%
Balance Transfer Fee % 0%
Card Type
  • Rewards
  • Store Card
  • Gas
Card Network Mastercard

My GM Rewards Card™ Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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