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GM Business Card™
GM Business Card™
- 18.49% to 28.49% variable purchase APR based on creditworthiness. Rates as of 3/1/2023 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 18.49% to 28.49% 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: 18.49% to 28.49% variable purchase APR based on creditworthiness. Rates as of 3/1/2023
- 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™
- 19.49% to 29.49% variable purchase APR based on creditworthiness. Rates as of 3/1/2023 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 19.49% to 29.49%
- 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: 19.49% to 29.49% variable purchase APR based on creditworthiness. Rates as of 3/1/2023
- 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
Ramp Card
Ramp Card
- See Terms Regular Purchase APR
At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
The Gemini Credit Card™
The Gemini Credit Card™
- 17.74% to 29.74% (Variable) Regular Purchase APR
- 30.74% (Variable) Cash Advance APR
At a Glance
The Gemini Credit Card earns up to 3% back in crypto rewards, with rewards automatically applied to the cardholder’s account. Even better, they can trade and sell their cash back credit card rewards to over 60 different assets – with no annual fee or hidden fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn crypto rewards on every purchase with the new Gemini Credit Card™
- Earn rewards in 60+ cryptos on every purchase with the new Gemini Credit Card™
- Watch the crypto you earn land in your Gemini account the instant you swipe, not a month later
- Get up to 3% crypto back* on every purchase with the new Gemini Credit Card™
- A Gemini Mastercard®. Issued by WebBank
- *Terms Apply
- Regular Purchase APR: 17.74% to 29.74% (Variable)
- Cash Advance APR: 30.74% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 34.74% (Variable)
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $35
- You prefer to earn credit card rewards as cryptocurrency
- You want to choose from over 60 different crypto assets
- You plan to spend heavily on groceries and dining
- You don't want to pay an annual fee
Bilt Mastercard
Bilt Mastercard
- See Terms Regular Purchase APR
- See Terms Balance Transfer APR
- See Terms Cash Advance APR
At a Glance
The Bilt World Elite Mastercard is a unique rewards credit card from Wells Fargo that lets users earn 1X on monthly rent payments, 3X on travel, 2X on dining, and offers impressive perks including Lyft and DoorDash statement credits – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 1X points on rent payments (up to 50,000 points each calendar year)
- Earn 2X points on travel
- Earn 3X points on dining
- Regular Purchase APR: See Terms
- Balance Transfer APR: See Terms
- Balance Transfer Transaction Fee: Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
- You rent and want to earn rewards on your monthly rental payments
- You're a member of Bilt Rewards
- You don’t want to pay an annual fee
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What Is an Excellent Credit Score?
An “excellent” credit score varies depending on the scoring model you use. Both FICO and VantageScore – the two most popular scoring models – have slightly different calculations for what is a good score and what they consider excellent. The FICO scoring model is the most popular credit scoring model with banks. The FICO scoring range is from 350 to 850, with anything over 800 considered “excellent.”
VantageScore, like FICO, also measures the creditworthiness and reliability of potential applicants. While less popular than FICO, VantageScore is the creation of the three major credit bureaus: Equifax, Experian, and TransUnion. The VantageScore model ranges from 300 to 850, with scores over 781 deemed “excellent.”
What Are the Benefits of Having Excellent Credit?
Having great credit can open a lot of financial doors. Goor or excellent credit scores provides you with a greater selection of options, more rewards, and more. Here are a few of the benefits of having excellent credit:
| ① Lower interest rates | Good and excellent credit means the best interest rates on credit cards and other loans. The average APR for someone with excellent credit is around 4% lower than the rate for those with good credit and approximately 12% lower than an applicant with fair credit. You may also qualify for lower balance transfer fees or no foreign transaction fees. |
| ② Rewards | Since an excellent credit means the best card offers, it also means better rewards. Rewards come in the form of cash back, points, or miles and vary in value depending on the issuer. Before applying for your next credit card, always read the terms and conditions of the rewards program to see how you earn points (the rewards rate) – and how you redeem them. |
| ③ Credit limits | Have a Prime of super Prime credit score can help get you approved for higher credit limits than counterparts with average or bad credit. The same is true for other credit products, including auto loans, mortgages, and personal loans. |
| ④ Welcome bonuses | Many credit cards for good or excellent credit offer welcome bonuses, which means new cardholders earn extra rewards, such as cash back, points or miles, when they use their card to meet spending or other requirements. |
| ⑤ Perks | The very best credit cards (and charge cards) come with the very best perks. Most of the top luxury credit cards offer travel benefits that far exceed their annual fees. These perks include hotel upgrades, dedicated concierge, lounge access, Global Entry or TSA statement credits, and more. |
As noted, excellent credit typically means a great interest rate on your loans and credit cards. Lenders view applicants with excellent credit scores as less risky borrowers, meaning a high credit score means lower APR, lower monthly payments, and less money spent on interest over the life of the loan.
How much money can you save with a Prime, or super-Prime, credit score? Here are the average APRs for credit cards based on credit profile:
| Score | APR |
| Excellent Credit | 14.24% |
| Good Credit | 19.24% |
| Average Credit | 24% |
| Bad Credit | 29.74% |
| No Credit | 27% |
How to Get an Excellent Credit Score
Getting the best credit scores requires patience and hard work. An excellent credit score doesn’t happen overnight. Instead, it takes years of good financial habits. The easiest way to build an excellent credit score is to follow these three simple steps:
| ① Check and review your credit reports | Ⓐ Check your credit reports from all three of the nationwide consumer reporting agencies, Equifax, Experian, and TransUnion. |
| Ⓑ Check for negative credit information, like potential fraud or ID theft, accounts in collection, or unpaid balances. | |
| ② Pay your bills on-time | Ⓐ Automatic payments are a great way to avoid missing payments. |
| Ⓑ Splitting monthly payments into two smaller payments can help stretch budgets while ensurig you pay on-time. | |
| ③ Keep credit use low | Ⓐ Credit utilization accounts for roughly 30% of your credit score, so aim to keep credit use as low as possible. |
| Ⓑ Consider a balance transfer credit card if your credit use is creeping up and you want to consolidate that debt into one new account, typically at 0% Intro APR. | |
| ④ Limit new applications | Limit any new credit applicatiions to only what is essential (i.e. if applying for a balance transfer credit card). |
| ⑤ Keep old accounts open | Don’t close any old, unused accounts. Closing accounts can lower your average |
Of the information above, paying your bills on time is the most critical. Payment history is the most important factor in determining your credit score, making up over a third of your FICO Score. Try setting up bi-weekly payments so you can keep your credit use low.
Your credit utilization is how much credit you’re using compared to the amount you have available. Always try yo aim to keep your credit utilization below 30% of your available credit limit, though if you want to reach excellent credit it is better to aim for 10% overall credit use – or less.
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