GM Rewards Card Reviews

I’d leave a zero if I could. I never missed a payment, and when a credit agency put false info, my credit limit was reduced. It since has been removed, but was told I can apply for increase in 12 months!😡

I've been a GM Card holder since I was a teenager. It was actually my first CC. I'm 42 now, just for context. In the days of HSBC, it was a solid product, with a rewards program that was well implemented. The rewards program however, has dropped off the precipice. It started to decline a bit under Capital One, but has really become borderline useless since the acquisition by Goldman Sachs. At this point, I don't even worry about the rewards program anymore. I simply continue to use the card as it's the oldest credit line on my report. That said, the card suffers from a plethora of technical issues, that makes it untrustworthy, I will emphasize those below:

The worst "rewards" card I've had. I can't find where to redeem points. GM Awards website just goes in circles. Never brings you to "redeem". My GM dealer said they don't honor any GM Rewards points for anything. Went to another GM dealer. Same thing. Can't redeem points for anything else. Never get this card. Complete scam. GM needs a wake up. This card is a POS. Lowest possible rating. Zero Stars.

Sent me statement late but still had 10 days to allow PO and Sachs to ko3n and post my large payment. Missed by 2 days and Sachs played hardball and hit me with 2 months of heavy ugly interest. I appealed but they simply don't care about reliable long term customers. So disappointed. Highly avoid this bank, company, card. Marcus by Goldman Sachs GM Mastercard, do not consider it. Thumbs down.

Had this as my go-to card since 1993. GM transferred the card from HSBC or whomever had it prior to about March of I think 2022 or so... Now completely screwed up and never could be fixed. Waited on hold for hours. Worst card ever. Called Capital One, they set me up immediately because I have great credit. Best experience for a long time. GM really doesn’t care or they would use another vendor. Probably some buddy-buddy stuff at the country club set this in motion. Beware of the GM card. Go Capital One.

I’ve tried to get an after sale redemption. I got a telephone call that the dealership had agreed to this and it would take 6 to 8 weeks to process this. Then nothing. After 10 weeks I inquired why I had received nothing. No money, no phone call, no letter. At this time they said they could not get the dealership to answer their phone calls. So they just dropped the request without notifying me. They said they could no longer pursue the matter because the after sale redemption had to be completed in 90 days which had now expired. So I’m out $1500. Very poor customer service on GM card.

I've been a GM MasterCard customer for 32 years, 100% payments monthly on time. They recently keep denying my payments, all other credit cards take my payments. I couldn't take money out of an ATM in Portugal. I couldn't buy a holiday ham yesterday. Today, the monthly billing to a media outlet which has been approve for at least 100+ months in a row got denied. I called and they said it was for my protection. We know that is not true. I am done with them, closed the account after 32 years.

Originally the GM card from Cap One was good. But now they limit the amount of points you can use. I had 3500 in points and wanted to use them on a new car, but oh no! You can only use 1500. Additional points are no good unless you buy a new vehicle every year or every other year. The only time a lot of points are good is when GM is not selling cars. Like back in 2007 thru 2011. Give the GM card a rating of 1, reluctantly.

I've been a card holder for 2 years. I've never been late on payment or maxed out my card. I've requested a credit limit increase twice and have been denied, no reason given. I've never been denied increases by other issuers. Their customer service reps give misinformation and are less than helpful. This is the only card I have that also charges a "trailing interest." The rep actually tried to convince me trailing/residual interest is "mandatory by law", which it is not. This company is all about the money and not the customer.

Very racist company towards ** people. I’ve been having a car with this company over two years however I called for increase. They gave me a decrease. I never was laid on payments and always make three times my minimum payment. I wish I can give them zero stars.