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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 a Good Credit Score?
A “good” 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 or fair.
The FICO scoring model is the oldest – and most popular credit scoring model with banks. Estimates state that approximately 90% of banks, lenders, and financial institutions rely on FICO Scores to judge the creditworthiness of an applicant. The FICO scoring range is from 350 to 850, with a score of between 730 and 799 considered “good” to “very good.”
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 a score of 681 to 780 considered “good.”
What Factors Determine what a “Good” Credit Score Is?
Both FICO and VantageScore differ in terms of how much weight – or emphasis – they place on certain credit factors. FICO, for example, places greater importance on the total amount of debt a person has and less on their average age of credit. VantageScore, on the other hand, puts more weight on the average age of credit than FICO and slightly less on the total amount of debt owed.
Despite these discrepancies, there are a few things everyone should pay attention to maintain or build their credit score. These factors include:
- Payment History: How many of your payments are made on time, and how many payments do you miss?
- Total Debt: How much do you owe on your credit accounts?
- Credit Utilization: How much of your available credit are you using?
Individuals with a good credit score rarely miss payments. After all, how can a lender deem your credit as good and your lending risks as minimal if you regularly fail to pay back your debts? Additionally, lenders might view you as a risky applicant if you rely too much on your credit accounts. Over-reliance on credit might appear to a bank as someone being financially stretched.
What Are the Benefits of a Good Credit Score?
Having a good credit score means you have a better chance of successfully applying for almost any credit card offer on the market. Lenders like to see a good credit score as it shows the applicant is less risky than other applicants, and they can rely on them to make their payments every month.
Here are some of the benefits of having a good credit score:
| ① Better approval odds | Good credit doesn’t guarantee your credit card application will be approved, but it certainly helps. With a good credit score you’ll have access to most credit card offers, including exclusive credit cards and cards with no annual fees. |
| ② Better interest rates | Better credit scores typically enjoy access to lower APR on credit cards, mortgages, and other types of loans. According to the CPFB, “credit card companies typically offer their best rates to customers who have the highest credit scores.” And if the APR on your credit card isn’t to your liking, having good credit will make it easier for you to negotiate a lower rate with your card issuer. |
| ③ No deposits required | One of the best rewards for maintaining good credit is that you likely don’t have to worry about security deposits on accounts. A good credit score means you won’t have to provide collateral or upfront payments to open utilities accounts – or get a new phone line. |
| ④ Better auto insurance rates | Having Prime credit means you enjoy lower rates for almost everything credit-related, including your car loans. Insurance companies rely on credit scores to gauge an applicant’s risk level. These firms often punish poor credit with higher insurance premiums. |
| ⑤ Peace of mind | Having a good credit score means that you are on the right track financially. With good credit, you are paying your bills on time, keeping your credit use low, and maintaining the correct processes that are critical to financial success. |