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GM Business Card™
GM Business Card™
- 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The GM Business Card is an auto credit card from Marcus from Goldman Sachs whose earnings can only be applied towards the purchase or lease of a GM vehicle from a dealership. Earn up to 5% with bonus categories for GM purchases, gas, dining, and office supplies.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get the business card that rewards small business owners with special benefits. Redeem Earnings toward an eligible, new Chevrolet, Buick, GMC or Cadillac
- Get $750 in Bonus Earnings towards the purchase or lease of an eligible, new GM vehicle after you spend $5,000 on purchases in your first 5 months
- 5% in Earnings on eligible GM dealership parts, accessories or service purchases
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply
- 0% Intro APR on purchases for the first 12 months, variable of 19.24% to 29.24% APR after
- 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. Subject to credit approval
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Annual Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're looking to expand your current business fleet
- You have a business association membership to ABC, AGC, or NAHB of America
- You will need company cards for your employees
- You're already enrolled in My GM Rewards
- You will spend $5,000 within the first 5 months of being a cardmember
My GM Rewards Card™
My GM Rewards Card™
- 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 8/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The My GM Rewards Card is a World Elite Mastercard and auto rewards credit card from General Motors and Goldman Sachs. The card offers a lucrative sign-up bonus, a 0% APR period, and no additional fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
- Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
- 0% intro APR on purchases for the first 12 months, then a variable APR of 20.24% to 29.99%
- 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 Apply. Subject to credit approval
- Intro Purchase APR: 0% for 12 months
- Regular Purchase APR: 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're planning on purchasing a Chevrolet, Buick, GMC, or Cadillac for your next vehicle
- You anticipate spending at least $1,000 within your first 3 months as a cardmember
- You have an excellent credit score
- You do not want to pay annual fees or foreign transaction fees
BMW Card
BMW Card
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The BMW Card earns cardholders four points for every dollar they spend on qualifying BMW purchases. Additionally, cardholders earn three points for every dollar spent on gas and two points for every dollar spent on dining purchases. All other purchases earn cardholders one point for every dollar they spend. What’s more, this card offers an introductory 0% APR promotion on balance transfers and purchases for 12 months. All these features are available for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 4X points on BMW purchases
- Earn 3X points on gas purchases, 2X points on dining, and 1X points on everything else
- Enjoy 0% APR on balance transfers and purchases for 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months for balances transferred within 30 days from account opening date
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You own or plan to own a BMW
- You don’t want to pay an annual fee to use a credit card
- You want to earn additional points on gas and dining purchases
- You would like to take advantage of 0% APR on purchases for 12 months
- You need to transfer a balance and plan to pay it off in 12 months
BMW Precision World Elite Mastercard
BMW Precision World Elite Mastercard
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BMW Precision World Elite Mastercard is a premium auto rewards credit card from U.S. Bank and BMW. The card, which charges a $99 annual fee, offers 5X points on BMW purchases, 3X points on gas, 2X points on dining, and a flat rate of 1.5X points on all other purchases. The card also boasts a $70 annual dealer credit and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 5X points per $1 on purchases
- Get an annual $70 dealership credit
- Get up to $1,000 in annual coverage for damage or theft of your cell phone
- Free ShopRunner membership
- No foreign transaction fees
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You prefer to have their vehicle’s maintenance done at a BMW dealership
- You travel frequently and make purchases abroad or in foreign currencies
- You want an everyday card that offers versatility – for a price
Mopar® DrivePlus Mastercard®
Mopar® DrivePlus Mastercard®
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 20.99% to 29.99% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from the transaction date for eligible purchases Intro Purchase APR
At a Glance
The Mopar® DrivePlus Mastercard® is a rewards-heavy auto rewards credit card for shoppers of all things Mopar. With enticing introductory offers as well as continuous rewards, it’s an easy contender for the title of daily credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- $100 statement credit when you spend $499 in FCA US purchases in your first billing cycle after the account is opened
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle.
- Intro Purchase APR: 0% for 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 20.99% to 29.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You own an FCA vehicle (FIAT, Chrysler, Dodge, Jeep, Ram, SRT)
- You frequently make Mopar products purchases
- You plan to make daily purchases with your credit card
- You regularly make purchases at US FCA dealerships
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How Do Auto Rewards Credit Cards Work?
Auto rewards credit cards are specially marketed towards those who love their vehicles and want to save money with every eligible purchase. These cards earn rewards on unique categories that owners of cars, trucks, and other vehicles spend the most. Typically, credit cards that earn auto rewards provide enhanced earning at select categories, including:
- Dealership purchases and services
- Parts
- Gas station purchases
- Travel purchases
Why Choose an Auto Rewards Credit Card?
Why choose a credit card that offers auto rewards? These cards are perfect for those who love to work on their vehicles, fine-tuning them to get them to perform their best. Auto cards also make sense for those who want a card that helps them save money on routine maintenance, such as oil changes, replacing windshield wipers, or fixing damaged headlights. You can even use an auto card to purchase customizations for your vehicles, such as add-ons or accessories.
Because cards with auto rewards partner with select manufacturers, they offer discounts on new vehicles and leases. That makes auto cards an excellent option for those who want an everyday use credit card that they can apply towards buying a car or truck.
There are several FCA DrivePlus Mastercard options, including the Jeep DrivePlus Mastercard, the Ram DrivePlus Mastercard, the Chrysler DrivePlus Mastercard, the Fiat DrivePlus Mastercard, and the Mopar DrivePlus Mastercard. While these cards vary little beyond their dealer-specific branding, they provide exceptional value.
Can You Use Cards to Finance Car Repairs?
Yes. In fact, using an auto credit card to pay for repairs to your car makes perfect sense. This is especially true if you don’t have another cash back credit card or a card with a 0% introductory APR offer or a low APR.
Using an auto repair credit card with auto rewards can help you offset the cost of repairs. This, in turn, means you don’t have to worry about paying for the entire cost upfront. Instead, you can pay with your credit card, then pay off that balance over time.
Are There Drawbacks to Auto Credit Cards?
While auto cards have significant benefits, they also have disadvantages. Because auto rewards cards are aligned with a particular dealer or manufacturer, they don’t offer much value outside of these brands. If you are looking for a card that has much more global value, an auto rewards credit card might not be for you.
Retail cards usually have high APRs. The same can be said of auto cards, as they are a form of a retail credit card. Those with excellent credit scores don’t need to worry, as their interest rates will be decent, but those with fair or good credit scores might receive an APR in the mid-20s, which is very high. These higher-than-average interest rates mean they aren’t great for financing purchases over an extended period.
These cards also act as a regular credit card, rather than an auto loan. This means any minimum monthly payments required need to be paid (at a higher rate) than a typical loan. In addition, credit card companies may charge a high penalty APR and late fees if you are late on paying the balance (in full or partially).
How to Redeem Vehicle Rewards
Redeeming your rewards varies depending on the card issuer and the dealership with which the card is affiliated. FCA Rewards credit cards, for example, are redeemable for things like gift cards, cash back, or merchandise.
The options mentioned above, however, offer lesser value than using rewards points to spend at dealerships. Because FCA Mastercard products include names such as Chrysler, Dodge, Fiat, and Jeep, there are plenty of dealerships to choose from to make use of the card rewards.
Other auto cards, such as the BuyPower® Rewards Card or the GM Extended Family Card, offer redemption for purchases at dealerships. These purchases include new vehicles or parts and services.