Last updated on September 8th, 2023
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My Cadillac Rewards Card
My Cadillac Rewards Card
My Cadillac Rewards Card
- 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 4/1/2023 Regular Purchase APR
- 29.99% Cash Advance APR
- 0% for 12 months Intro Purchase APR
At a Glance
The My Cadillac 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% introductory APR period, and it’s free of several common 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 do'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 19.74% to 29.74%
- 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 4/1/2023
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $0
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
- You're planning on purchasing a Cadillac, Chevrolet, Buick, or GMC for their next vehicle
- You anticipate spending at least $1,000 within the first 3 months as a cardmember
- You have an excellent credit score
- You do not want to pay annual fees or foreign transaction fees
My Cadillac Rewards Card Review
The My Cadillac Rewards Card is an auto rewards credit card from Marcus by Goldman Sachs and General Motors. This credit card is ideal if you are planning on purchasing a new Cadillac sedan or SUV, or if already own one and prefer to get your parts and servicing directly from a dealership. The card also features no foreign transaction fees and no annual fee.
0% Intro APR on Purchases
The Cadillac Rewards card provides a twelve-month, 0% introductory annual percentage rate on purchases, followed by a variable APR. This rate is very competitive when compared to other similarly positioned rewards cards.
Special Bonus Points Offer
Judging value with auto rewards credit cards can be tricky, but this card does offer some. New My Cadillac Rewards Cardholders are eligible to earn a 15,000-point welcome bonus after using their new card to make at least $1,000 in purchases within 90 days of opening an account. Still, 15,000 points provide roughly the equivalent of 15% cash back, so it offers you some solid value.
You can also earn a $100 statement credit each calendar year after spending $1,500 on fuel with the card. Or, if you have an electric vehicle, you can opt for a $100 statement credit when you use the My Cadillac Rewards Card to pay 6 electrical bills in a calendar year.
Cardholders also receive a $50 allowance after using their Cadillac Rewards Mastercard for vehicle detailing at a participating GM dealer every calendar year.
Earn Up to 7X Total Points on Purchases
The My Cadillac Rewards Mastercard offers up to 7X total points per $1 spent on GM purchases, including service, parts, and accessories purchased at participating General Motors dealerships and service centers. That 7X point tally is impressive and provides excellent value if you are planning on buying a new GM vehicle purchase or lease one of their cars.
The Cadillac credit card also earns 4X points per $1 on eligible purchases outside of General Motors brands, and there is no limit to how much you can earn – or redeem – toward an eligible, new GM vehicle.
Estimated Points Breakdown
Here is a breakdown of the estimated costs of a new 2023 Cadillac CT5 sedan at the $39,590 manufacturer’s recommended price (MSRP). This breakdown shows how much you can expect to earn when using your My Cadillac Rewards Card to purchase the car, and the points totals:
- $39,590 new vehicle MSRP (1X points per $5 of the MSRP) = 13,119 points via My GM Rewards loyalty program, a $131.12 cash value
- $725 on auto Insurance (4X points) using the card = 2,900 points, a $29 cash value
- $500 on vehicle maintenance (7X points) using the card = 3,500 points, a $35.00 cash value
- $1,583 in taxes and fees (4X points) = 6,332 points, a $63.20 cash value
- GM Protection Plan = 2,500 points, a $25 cash value
- $300 OnStar Essentials plan (3X points) = 900 points, a $9 cash value
- Total: 25,751 points, a $257.51 cash value
How to Redeem Points in the My GM Rewards Program
Redeeming points with My Cadillac Rewards credit card is fairly straightforward. You can redeem unlimited points toward an eligible new or pre-owned GM or Cadillac vehicle purchase or lease. Cardholders can redeem up to $1,000 toward purchasing a Chevrolet, Buick, GMC, or Cadillac Certified Pre-Owned vehicle.
Other redemption options include points toward paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, OnStar and Connected Services plans, GM Financial and Protection Plans, and SiriusXM® subscriptions. Gold and Platinum rewards members can also redeem points toward gift cards from various eligible merchants, stores, restaurants, and more, at a 1% redemption rate.
Automatic Gold Status
Automatic gold status is perhaps the biggest GM perk of the Cadillac Rewards Mastercard. The gold tier is the middle tier of the My GM Rewards loyalty program and offers a quality selection of benefits:
| How to Unlock a New Tier | Silver | Gold | Platinum |
|---|---|---|---|
| 3-year total spend on a new, eligible GM vehicle | $0 to $44,999 | $45,000 to $109,999 | $110,000+ |
| Combined spend on paid, eligible GM service, eligible accessories or parts, and OnStar and Connected Service Plans | $0 to $1,499 | $1,500 to $2,499 | $2,500+ |
| Yearly spend on My GM Rewards Card | N/A | Automatic Gold Tier | $15,000+ |
| Points expiration | Account is Closed; 5 Years of Inactivity | Never Expire | Never Expire |
Other Card Features
All of the variations of the My GM Rewards Card from Marcus enjoy Mastercard World Elite benefits. Mastercard World Elite® is the premier Mastercard product tier, offering the pinnacle of protections and perks, including:
| Zero Liability Protection | Airport Concierge | Cell Phone Protection |
| Mastercard Global Services | Priceless Experiences | Lyft Credits |
| ID Theft Protection | Priceless Golf | DoorDash Offers |
| Mastercard Travel Services | ShopRunner Membership | Hello Fresh Savings |
| Mastercard Hotel Stay Guarantee | Fandango Savings |
Other notable features of the card include no annual fee and no foreign transaction fees – both excellent benefits for the everyday cardholder.
Auto Rewards Card Comparisons
Not sure if the My GM Rewards Card is right for you? Here’s how it compares to two similar competitors:
 My Cadillac Rewards Card™ |
 DrivePlus Mastercard® |
 Toyota Rewards Visa® |
| Earn up to 7X points on GM purchases, including service, parts, and accessories at participating dealerships, and 4X points on eligible purchases outside of GM | Earn 5% back on FCA U.S. purchases, 2% back on gas and travel purchases, and 1% back on all other purchases | Earn 3X points at Toyota dealerships, 2X on gas, dining, and entertainment, and 1X on all other purchases |
| 15,000 points and 0% intro APR offer | $100 back after spending $1,000 in first 90 days | N/A |
FAQs About GM and Goldman Sachs
- Goldman Sachs purchased the GM credit card portfolio from Capital One in a deal worth over $2 billion.
- No. There is no limit on the total number of rewards a My GM Rewards member can redeem.
- No. GM points never expire as long as the credit cardholder’s account is open and active. Non-GM credit cardholders’ points may expire, depending on their loyalty status.
- Managing your My GM Rewards account is easy. You can access your GM Financial Account through the GM Financial App or online by going to www.gmfinancial.com and signing in to My Account. There you can make a payment, access billing statements, update your profile and communication preferences, and even message with Customer Experience agents.
- Marcus can pull from any of the three major credit bureaus (Experian, Equifax, and TransUnion), but most datapoints point to TransUnion being the most commonly used company.
Goldman Sachs Ratings
How does the My Cadillac Rewards Card stack up? Here are a selection of expert reviews for the card and Marcus by Goldman Sachs, the card’s issuer:
| BestCards | Better Business Bureau | TrustPilot |
|
4/5 |
2/5 |
2.5/5 |
Should You Apply for the My GM Rewards World Elite Mastercard?
Although the 7X total points per dollar can turn heads, is the My Cadillac Rewards Card worth the hype? The answer may be a strong yes if you are a loyal GM customer. GM enthusiasts can benefit from the card’s high rewards-earning rate and GM-focused redemption options. However, non-GM fans (or even those merely considering a GMC, Cadillac, Buick, or other GM-branded vehicle) might find the card thin on potential.
