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My GMC Rewards Card
My GMC Rewards Card
- 19.74% to 29.74% 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 GMC Rewards Card is a World Elite Mastercard and auto rewards credit card from General Motors and Marcus. The card offers a lucrative sign-up bonus, a 0% APR period, and no hidden 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: 19.74% to 29.74% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
- 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
My Chevy Rewards Card
My Chevy Rewards Card
- 19.74% to 29.74% 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 Chevy Rewards Card is a World Elite Mastercard and auto rewards credit card from General Motors and Marcus by Goldman Sachs. The card offers a lucrative sign-up bonus, an introductory 0% APR promotion, up to 7X points per $1 on eligible purchases, and no annual fee.
- 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: 19.74% to 29.74% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
- 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
My Buick Rewards Card
My Buick Rewards Card
- 19.74% to 29.74% 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 Buick Rewards Card offers a lucrative sign-up bonus, a 0% APR period, and no hidden fees. From Marcus, the card earns up to 7X points on purchases and provides automatic Gold status in My Gm Rewards.
- 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: 19.74% to 29.74% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
- 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
My Cadillac Rewards Card
My Cadillac Rewards Card
- 19.74% to 29.74% 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: 19.74% to 29.74% 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
Apple Card
Apple Card
- 15.74% to 26.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
You don’t need to need to be a die-hard fan to fall in love with the intelligently designed Apple Card. Designed for digital use in conjunction with Apple Pay (spoiler: an iPhone is required), this card boasts no annual fee – or any fees for that matter – up to 3% cash back for Apple and other popular retailers, automatic cash back rewards, a gorgeous interface for monitoring your spending, and innovative security features to make credit card theft a worry of the past.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn cash back with every purchase
- No hidden fees
- Get a detailed breakdown of your spending from your iPhone
- Regular Purchase APR: 15.74% to 26.74% variable based on creditworthiness and the Prime Rate
- You own an iPhone (or are planning to buy one)
- You're loyal to the Apple ecosystem
- You frequently use your mobile device for making purchases (a.k.a. your digital wallet)
- You do't want to worry about carrying your wallet everywhere you go to make purchases
- You do't want the hassle of deciding how to redeem rewards
You've viewed 5 of 6 credit cards
About Goldman Sachs Credit Cards
Goldman Sachs Bank’s first foray into the credit card world has been the Apple Card. As a powerhouse tech company, Apple wanted to create a card that fit seamlessly into its Apple Pay program. The result was a zero-fee card that cardholders never even have to pull out at the register – it syncs perfectly with the iPhone’s digital wallet and earns instant cash back along the way.
As the first of Goldman Sachs credit cards, the Apple Card offered a clean slate on which Apple could exert its influence (thus, why the card’s motto is “Created by Apple, Not a Bank”). This enabled the company to negotiate a deal that gives customers more data privacy than most other credit cards offer, and also prohibited the use of customer data for ad sales. This privacy policy has since shifted a bit, but with the intention of making the Apple Card more accessible to interested applicants.
Is the Apple Credit Card Worth It?
Unsurprisingly, the initial announcement for the Goldman Sachs Apple Credit Card generated plenty of excitement from current and potential Apple customers. To see if it lived up to the hype, let’s take a look at some of the Apple Card’s standout features:
- Instant Cash Back Rewards: Many cash back credit cards process reward earnings on a monthly or quarterly basis. With this Apple rewards card, you’ll gain access to your cash back almost immediately through the Wallet app, with no minimum requirements to redeem.
- Transaction Tracking: Not only will you see your recent transactions in the digital wallet, you’ll also get data on the exact store and location of each purchase.
- Color-Coded Categories: Each purchase is sorted by color into a major category for easy budgeting.
- Payoff Calculator: This in-app tool shows you how much interest you’ll owe depending on the size of the balance you carry.
- Absolutely No Fees: That’s right. No annual fee, foreign transaction fee, late fee, or any other kind of fee you can think up.
These are some pretty stand-out features, but you’ll need an iPhone to benefit from any of them. If you’re already an Apple fan, or were planning on starting out with the latest model, this could be a great companion to the Apple Pay app. Plus, you’ll be ahead of the curve as digital wallets become more popular at checkout.
How to Apply for Apple Credit Card from Goldman Sachs
The first unofficial step in applying for the Apple Card is getting yourself an iPhone if you don’t already have one. As pointed out in the previous section, much of the card’s functionality is contingent upon connecting it to the iOS Wallet app, not to mention Apple Pay. In particular, you’ll use the digital wallet to view your transaction history, current balance, and most importantly, to make payments. There’s no other way to pay your monthly statement than through your iPhone.
With iPhone in hand, you can then proceed to the Goldman Sachs credit card application, which is also entirely digital. Reportedly, credit scores as low as the 600s can qualify you for this card, which is pretty surprising for such a futuristic rewards card. Those privacy changes mentioned earlier can potentially lower the threshold for approval even further, if you elect to provide additional info in your application.
How Does the Goldman Sachs Apple Credit Card Work?
Once your Goldman Sachs Apple Card application is approved, you’ll set it up in the Wallet app, as well as the Apple Pay app. If you set it as your primary card in Wallet, this will become your default payment method in Apple Pay and other Apple services. To make a purchase with the card, you’ll use one of the following methods:
- Pay with Apple Pay: At retailers where Apple Pay is accepted, you’ll simply hold your card over the payment processor. Once complete, details of the transaction will appear in your app. No physical card needed.
- Pay with the titanium card: Not all merchants currently accept Apple Pay. In this case, you can request a physical card and swipe like you would with any other credit card.
- Pay with your Apple Card number: For online transactions, you’ll need to find your card’s number in the Wallet app (it’s not listed on the physical card).
How to Increase Apple Card Credit Limit
You’ll need to use the card for a minimum of six months before Goldman Sachs will consider you for a credit increase. During that time, the issuer will monitor your use of the card. As long as you use the card responsibly, it’s likely that you’ll be eligible for an limit boost when the time comes.
Does Apple Card Report to Credit Bureaus?
At first, this Goldman Sachs credit card wasn’t reported to any of the credit bureaus. However, as of Dec. 2019, Apple and Goldman Sachs began reporting the card to TransUnion. It’s assumed that eventually all three major credit bureaus will include this card on their reports.
Uncover Your Best Credit Card
Check out our in-depth Apple Credit Card review and compare against our other hundreds of reviews to make sure you find the best fit. If you have questions about digital wallets, credit building, or any other topic related to credit cards, you can find answers the answers you need in the articles section of the site. Happy card hunting!