GM Rewards Card Reviews

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.

Agreed to card really young. Interest rate so high even with good credit at the time, didn't know better. Switched to Marcus without my knowledge. Late fees too high. Disputed fraud and only one of 2 charges removed. Had to file a new dispute for the other. Advised supervisor to review recorded calls. Given an apology and still have to wait 1 to 2 billing cycles. To correct.

Where do I start. First of all the GM Marcus app has been plagued by operational issues since GS took over the GM Card service three years ago. I spent many hours on the phone with customer service reps who do the best they can but they usually connect me to another dept. That dept is also unable to resolve issues. When attempting to use the app I repeatedly received a message that “…Marcus services are only available within the US…”. I’m in the US when attempting to use the app. The CS reps always apologize and indicate that the issue is being addressed by the technical department. After encountering that app issue multiple times I deleted the app from my phone.

Do not get this card whatever you do. I had this card when it was a Capital One card. Long story short the interest rate increased. I was never late on any payments. I got a card from my credit union and they had a no balance transfer. They rejected the payment twice so they could hit me with trailing interest fees. I called many times and every time when the rep looked at my history and wasn't able to explain the fees they said they couldn't hear me and disconnected the call. Worse CC ever.

Terrible experience with trying to pay my bill. I have had this card over 30 years when it was Capital One. Now that it is Goldman Sachs I plan to cancel. Totally not worth the stress to make a simply payment - only the card owner can pay, not an authorized card owner of 30 years and no system in place to transfer authorization. Do not get this card.

I do not recommend this company. I had a GM card since 2017 and soon as I ran into a fraudulent dispute they did nothing about it and I had proof of it but could not submit the proof electronically. I do not recommend this company.

Customer service is horrible. They try to get you for every dollar. I've never been late on a payment. Once I cleared out my balance, I was never notified of the interest charges they added to my account until I received an email saying it was late. They did not explain why those charges came or why I didn't get a notification to pay the bill until it was too late and they refused to credit me the late charge fee when again I wasn't notified and I have never once made a late payment in my life. GO Somewhere else for a credit card.

The Marcus by Goldman Sachs GM Rewards Card is advertised to pay 4 points for all non GM purchases. What they don't tell you upfront is that if you try to apply your points for a statement credit on your bill, like other banks allow, they will will deduct 3 of your 4 points leaving you with only one point for every dollar you have charged. I had accumulated $420.98 in points, but they changed it to only $105.24 leaving me a point balance of zero. I feel cheated. I wasted time and money on this card expecting the promised points that were advertised. I could have continued using my 2 point Wells Fargo card all that time and done much better.

I have been a GM card member since 2016. I have always paid off the statement balance for the entire time I have had the GM Business card and a GM personal card. I have repeatedly tried to get the credit limit raised for my Business account and have been refused said increase for the entire time I have had both accounts. I had hoped that when Marcus took over that they would do a better job with this but they repeatedly refused. I have been trying religiously since Marcus took over.

Been a GM Master Card holder for 30+ years. I’ve never made a late payment; always paid my bills in-full. In March 2024, a new USPS facility in Atlanta sent back my payment citing the self-addressed Marcus GM address was invalid. The bill sat at this USPS facility for 3 weeks and when returned, my payment was one day overdue. I called Marcus GM to explain the delay and mailed off the original annotated envelope to them the next day; the customer service rep said they’ve heard of the USPS causing this problem and when asked if there would be any consequences on my account, they said no. Two days later, a Marcus GM customer service rep called me back to advise me my account was overdue. I referred the rep to the notes from my previous call two days before.

Do NOT get this card. This is a predatory financial institution. They lowered my credit limit by 50% overnight, and the reasoning is "past due on another credit card account". Mind you I'm at 100% payments on all my credit cards. Couldn't give me a reason why. I had half the balance paid off, now my utilization is back at 99%. So, they're deliberately hurting the credit scores of their clients with information they don't have or can't prove. Wild. Banks are DESPERATE.

In my efforts to settle my family estate after their passing I have had nothing but kindness and helpful people during the journey until the GM Card with Goldman Sachs! I have spoken to three different employees in their estate department at Goldman Sachs and receive the same attitude from all.. They are rude, give you a heavy sigh when they answer the phone and treat you as if you are trying to steal something, when in fact, you are trying to ensure all debts are paid! Hopefully this will be resolved soon so I never have to deal with them again! Do not get a credit card from this organization. They are awful to work with. One star is too much credit.

Marcus by Goldman Sachs is the worst credit card company and since GM has switched to them I am stuck with a terrible card for the sake of wanting to accumulate points towards a GM auto purchase. Marcus is so bad I am considering cutting up the card and buying a Ford Mustang. GM, do better, Choose Better.

You can't use the points. Buy GM stuff or get nothing literally. Tried to do a statement credit and oh well your points are not worth as much if you didn't buy GM. Ok, it still won't let me apply a credit. Well if take your points and divide by 400 your dollar amount would be... Ok I would still like to apply that. Not once did the rep provide any real help or say let me take care of that for you. Still haven't used my points. I officially will never do business with GM and am glad I don't own one of their vehicles.

Supposed to be corrected within 5-7 business days. It was not. This is a clear cut example of the card causing the customer to pay TOTALLY INAPPROPRIATE INTEREST CHARGES. By the way, autopay promotion ended in November-- only one of three credits was made for using autopay. Encourage you to report this to your state whether or not it will do any good at this point. You don't make points available for a year and then tell the customer they have to pay and be reimbursed at some continually moving point down the road. Totally out of bounds.

I have been a GM card user for years but at the time GM was switching the card from Capital One to Marcus I decided to cancel and close the card. During the transition period the old card was still being used as the active Marcus card but we quit using the card and began to transfer any auto payments to other cards. During this transition time there was a felonious charge added to my card from Norton. I immediately called and let Marcus know that this was not my purchase and that I wanted to dispute the charges. Nearly a year later now Marcus keeps adding this charge back to my CLOSED card account. When I call in they don't seem to understand that I don't own a device to use the Norton Software but are asking that I prove that I did not make this purchase. Not sure how you can PROVE NO PURCHASE was made.

I have had a GM credit card for about 33 years. I have redeemed points for 7 vehicle through the years. After the switch to Goldman Sachs it was like they started from scratch. All the permissions we had set up on the credit card for users and who could manage the account were cleared out with the new bank. When a problem was encountered speaking to an actual person did nothing so using the online chat we said, "If you can't fix these problems we need to cancel the card." Their solution was to cancel the card. So... after 33 years, I guess for sure no more GM vehicles...

Was a GM card holder since 1995 and always liked the card and company. Now that Goldman Sachs has taken over it is a disaster. I cancelled my credit card in October 2022 and they continued to charge me interest without sending out a statement to me to rectify this. Now, I have a negative rating on credit score that had been excellent for 46 years prior to this. Worst company - stay away!

I have redeemed my points from my GM credit card for the last 3 cars I purchased when the credit card was under Capital One. Since it has switched to Goldman Sachs, I was told that I could not redeem all of my points despite me calling when the card switched from Capital One to Goldman Sachs and asking if I could redeem all of my points when I was ready to purchase a car. I was assured there was no limit. Then, when I had gone to purchase a car, I was not able to redeem all of my points, and when I called the credit car company several times, no one was helpful, and they kept telling me that my claim was still in the system and waiting to be processed.

This is a completely useless card if you want to use the rewards points, stay away from it and use a regular bank credit card. You cannot redeem the full money from gift card, hard to understand that from the description.

My GM card opened 2006 by Capital One. Received letter of notice that card/acct will be transferred to Marcus by Goldman Sachs who will now manage my card as of the next year. Had over 16 yrs of no hassles or issues. Received multiple notices by Goldman to register online & be sure to update my payments to reflect their new card number which was received April 2022. Registered online & was extremely careful & sure to opt out of electronic statements when it appeared in the registration process as if defaulting to electronic since I do not have any of my other tons of creditors/accts set up via electronic statement nor ck. Email often enough to pay them like that which is the reason I do not sign up for it ever.

I open card to get points to use toward gift card only to find out they won't give you one. It's a scam. Please don't open this card and check all Goldman Sachs cards. They let this company lie to it customers.

Looked into redeeming some points towards the purchase of a new Buick. Called the 'GM BuyPower Card' customer service on 2/5/2022. Was told (by Graylin) that there we no restrictions on using my earnings even if I was receiving a GM supplier discount; asked 3 times and received the same comment (no restrictions!!!). Went to dealership and they responded much different; can't use any of the earnings point. Have tried for a week (3 messages left where they are supposed to respond within 48 hrs) to get a call back from BUYPOWER CARD Customer Service Supervisor; no callbacks. Not sure what is right and who's in charge but the failure to return calls and make good on what the agents say is a real customer dissatisfier. Time to change brands after 48 years of buying GM.

In December 2020, GM offered cardholders the opportunity to gift over $1000 in earnings to a family member if used by March 31st. The family member I gifted the earnings to found a Chevrolet to purchase on Tuesday. I told them to present the earnings gift cert at the end of negotiations. During the back and forth there was a rebate offered for $1,250 to them. Subsequently they were told that they could not use the $1000 in gifted earnings along with the $1250 rebate offer. The $1250 rebate was not one of the exceptions stated on the offer. Any other exceptions are not clearly explained. I contacted the redemption center 3 times and then the elevation team (Stacy) and asked for clarification. They could only speculate and not help. The issue, beyond me looking like a dope for giving a bad gift, is that the car will most likely be purchased but the earnings are lost to me. Seems like a sneaky way to purge earnings off the books.

My current bill shows a late charge and interest fee that I disputed. Payment was due 12/17. My bank statement clearly shows it was sent 12/16 with a corresponding confirmation number. Bill states payment received 12/18. They removed my late fee but kept the interest charge. I was told I could mail or fax the information and they would review. This is the last straw. I pay my bills in full each month and have a credit rating over 800. I won’t jump through their hoops. I’ve been a GM Card customer since 2000 and have purchased several GM cars during that time. This conversation was the worst customer experience with them to date. I have too many credit choices to put up with a company who doesn’t want my business over $16.23.

I own a company that has a fleet of GM vehicles, wouldn't a GM Business Buypower card be good for that?? You would think. Had a balance of $18000, paid it off before the statement, and they froze my card, for paying the balance of a "business" card. Even better, had a balance of over $17000, got the statement, paid it that day. They reported that balance of a business card on my personal credit score, which isn't supposed to happen. So, my near perfect credit took a big hit, due to the fact that Capital One is blatantly advertising this as Business card, and it is clearly not. The only time they can report on personal credit is if you miss a payment or have a late fee... This is not the case. DO NOT GET THIS CARD IF YOU ARE USING IT FOR BUSINESS!!!

Was supposed to receive a $200.00 rebate. Received a $100.00 rebate and they denied the other $100.00 because my wife bought the truck new, we got married and the dealership still has the information in her name. There when I used my buy power card with my name on it they denied the 2nd $100.00. I've called multiple times to get this straightened out with no luck. I never buy tires again from my loyal dealer I've been using since 2008.

I called GM credit to claimed my rewards. I asked if I can use my rewards towards my credit card balance because of the Pandemic crisis. I was told "NO but if buy parts for your car, purchased or leased a vehicle or you do a oil change you can submit a form through our online system and claim your rewards". I'm not in the position of buying a vehicle or buy parts for my car (not in this pandemic crisis). All I want is to used my rewards towards my credit card balance so at least it will alleviated some payments. This is not the answer I was expecting. This is terrible customer service.

I’ve tried for three times to get a new card: I’ll be leaving the country soon. My card expires after I leave. Called call services. They cancelled my husband's card. Got new card with new numbers. Same expiration. Called again, got same numbers and same expiration date. Just checked the mail, new number same expiration dates. You’d think a company could fulfill my request. Seems I’m asking the impossible. Oh, I’ve been a member for 34 years. I’m cancelling my card.

I was checking out on a online web site and entered all the required information to charge to my Capital One GM card and submitted to close out and my card was refused. This was the second time within 1 week. I have had this card for over 20 years and have never been refused. I don't even carry a balance. I have several hundred dollars to put on a new vehicle but I am about to tell them to stick the card where the sun don't shine, but Christmas shopping is getting close and I always use it. I am beginning to believe they don't want my business. I never had a problem until Capital One took over. I also have a friend who is trying to get his card activated for use and has been refused. He was provided the card after he applied for it. What kind of company is this?

Tried to buy 4 NEW tires at a GM dealership using my GM card. Card not used for years. Very low limit. Only needed $200 to complete sale. I am not primary cardholder... husband (age 80) is. Gave all info. re. husband. Tire's a gift for our 50th wedding anniversary. Refused to extend credit for one sale. Using GM card entitled me to DOUBLE rebate, adding another $70 to current rebate. Feel GM did not want to pay me extra rebate, so refused to accept card. How is anyone supposed to buy 4 Michelin tires for under $1000.00?

I have had a GM MasterCard for over 25 years. It has recently been changed to Capital One for servicing. I buy 2 new cars every year and use my Gm points. Every year for the past 4 years within 1 week after making my vehicle purchase I have received a bonus voucher for $750.00 to $1,000.00 to add to my existing points. I then call to ask if they will credit the bonus to me for my next purchase and they say no. Any bonus that comes within days of you buying the car should be given to you. That's how any other merchants handle these issues.

Six Months Later, Waiting for my $200 Tire Rebate from Cap. One - Horrible experience. The worst. I fully complied with the Terms of the Rebate Program (they have mailed me the same offer since I submitted) and I have had to make numerous calls to Certified Service/GM Card and my Cadillac Dealership to contact their Rep. to be deterred several times due to errors on their end. When I finally did get a rebate, two weeks ago, it was half of the amount (only $100) so I needed to start all over again and chase what they offered me to begin with. I called them today and the Service Manager of the dealership again today. Reckon that I have made at least 20 calls already. Not kind to do one's customers.

I only have a $300.00 credit limit on this BuyPower card. I made two payments, one on 6/20/18 and one on 6/21/18. My bill status is $168.00. So they Took both payments out of my bank accounts and then gave me a $0.00 available credit! They said that they need to put a hold on my account to verify payment. Ok, well, when I chatted with someone online, they told me I had to call the number on the back of my card. I did this, and went thru the automated phone call. It recognized that I had made a payment of $75.00 and $60.00. When I got to a operator, they said I couldn't receive MY available credit until 6/25/18 and 6/26/18. I am extremely upset about this, and will pay off my $168 and close this account. It is Incredibly frustrating!!! I pay on time, I pay extra and I'm penalized for making more than the minimum amount? Very wrong, and unfair! If you already acknowledge that I paid, why keep my available credit at $0.00.

So, here's the story. I've had this card and another card with Capital One for a little over a year... Never missed a payment. Recently, I accidentally made a $500 payment to both cards and when I tried to cancel one of them (because I only had enough for one payment), they wouldn't let me. The payment returned for the BuyPower card but went through for the other card. But for about a week it said the opposite. That the payment went through for BuyPower card and not the other one. So... I used the BuyPower card and then a week later they flipped the script and now I had no balance due on the other card but now had a $900 (credit amount was $500 + the $400 that I spent) balance on the BuyPower card because I used it because I had $500 available for use.

I have been a GM card holder for 16 years. I've always paid in full and on time. I raised a disputed charge to customer service in the amount of 8.03. After being lied to by Nakkia (employee # **) who would not pass me to her manager Katrina, she refused to waive this fee in order to keep my business. Apparently, giving many thousands of dollars of business to this company is not worth $8, so I will be taking my business elsewhere and I encourage others to do the same. This is a deplorable business model. I will be taking my business to American Express where I am a valued customer.