GM Rewards Card Reviews

GM credit card (rewards card), stay away from it! Shady business practices, cannot understand customer service reps, and they don't really care! I paid it off and the same day, later in the day, they add the finance charge. When I called to question it, they gave me some BS answer. Goldman Sachs owns them now (Barclays buying it soon) and they suck, too! Don't waste your time with this card! Rewards not worth all the hassle of owning this card!

Shady Practices and Unapproved Charges – Stay Away from the GM Credit Card! Absolutely unacceptable. GM Credit Card charged my account without permission, and then had the audacity to slap on late fees for a charge I never even authorized in the first place. How does that make sense? We never approved the transaction, yet they processed it anyway—and now we’re stuck disputing fees we should’ve never seen. Trying to resolve this has been a nightmare. Customer service has been useless—rude, evasive, and unwilling to take accountability for their own billing errors. They keep passing the buck, and no one seems to know what’s going on.

I don't have any complaints about how the GM Rewards card works. We know the points can be used to purchase a GM vehicle or use it to pay for service at the dealership. We participated in the $100 fuel credit promotion. The first year 2023 worked well. We received our credit. The second year, we signed up late because I didn't know you had to register every year to participate. I signed up in mid-February. You have to purchase $1,500 worth of gas to get the credit. We were following the gas tracker on the Marcus website and we knew we had made it. We had spent $1,524.80. I called several times to find out why we didn't get the credit. The first person went through all the charges, and said, yes, you should have it. He escalated it and another person called and said, no, we did not make it. We spent way too many hours on the phone with this.

This is a terrible credit card! They say there is rewards, but they only apply at GM dealerships. When you call the number about the rewards they hand you over to 10 different people. It’s a joke, a scam, a misrepresentation. Ultimately they will pay you 1/4 of the points per dollar. On top of this their fraud protection is a completely inadequate, and even when I went through the whole story multiple times they did not return my money. Apparently they take the fraudster merchants word over my adamant assertions that my account was accessed fraudulently. It’s truly a disservice to the customer, and they should be ashamed. I cannot imagine when the people who thought of fraud protection envisioned this program they would have thought it would be impossible to have a truthful outcome. It’s very frustrating and disheartening.

I give 5 stars to the GM card program. Marcus gets 1. Way too many purchase declines on in-person transactions with card present. What a joke trying to use the card while Marcus had it. I hope Barclays knows how to admin this card.

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.