GM Rewards Card Reviews

After the change to Barclays I was billed for 2 months I had already paid to Marcus. I called and then sent all the proof to their PO box. I got a notice 1 was cleared from my account only to find out they back charged the customer who then billed me. Then they hit me with a $39.99 late payment fee and $1 interest and the other disputed charge. It's almost impossible to talk to a knowledgeable human there. They did the same thing to my wife with her card change so this is not an isolated incident.

I have built up over the years 294,271 points. Not honored by the Dealer when I purchased a new GMC Sierra EV. Not honored when purchasing GMC parts and accessories. Not applied to the credit card balance. NOTHING. Called GMC customer Care multiple times and just go around in circles. This is the worst rewards card imaginable.

First card I activated but then when I tried to use it at a gas pump it was declined. They told me I had to use it some place where a cashier would handle it. It still didn't work. I called again and they said it was not activated. Tried again. It worked. Ordered another card for my husband and the same thing happened again. Card was declined, called and they said use it somewhere else but then said it wasn't activated, then a few minutes later said it was activated and I should go make a purchase somewhere and call them back if it doesn't work. So far I'm ready to cut them both up and walk away because I don't think any of this bodes well for a future with this Barclays GM card. I hate having my time wasted like this.

Pre-Barclays, the card offered 5% toward new GM vehicle purchases, but Barclays offers just 3%. I have a Green Bay Packers MC that offers 3% cashback (not tied to buying a vehicle) on grocery store purchases. I have a G-Bank V that offers 2% cashback (not tied to buying a vehicle) on everything else. AND I have Discover that offers 1% (and a rotating 5% by quarter) cashback (not tied to buying a vehicle) that I use in the single grocery store chain that accepts only cash, debit or Discover. But I WILL use my Barclays GM card one last time to use my accumulated rebate on my next - and probably my last - GM vehicle. "Thanks for the memories," as my late father's favorite late comedian famously sang.

If I could give a zero star, I would. I was not given points by GM Rewards on a GM service invoice. They claim they did, but they didn't. You spend an hour on the phone and I've made about 5 calls trying to get this resolved and each time, no one knows what they are doing. At this point, it's too much, a waste of my time for 359 points. Maybe that's their stance, wear you down where you have to keep calling back and then give up.

Not helpful at all, couldn't do anything I wanted to do over the phone. I called multiple different representatives, none of whom could help me with my request. I would encourage anyone who has a card to cancel their card or at the very least do not sign up for one. I know personally I will never call again for help and will not be getting a card anytime soon. The request I had was very simple, yet they could not help me.

These guys are a bunch of scammers.. I’ve had a card since 2022 and that time I have accrued over 70,000 points… I called Terri ** points for a statement credit and she tells me, "Oh as of August 22 we don’t do that, you have to use it towards a GM product," which I do not own any GM vehicles so now the points are virtually useless.. These people are scammers, The worst part is it really affects their longtime customers.., Do not use them Or get a credit card from them. I file a better business report every single week against them. And I won’t stop… They’ve done it to 10 of my contractor friend and every week I file a report for them as well… To apply for this credit card you would have to be an extremely desperate person. Do not do it..!!!! They even hit you with late fees if you pay on the due date.. Again, Barkley and GM, or a bunch of scam artist.. I wouldn’t recommend this guy to my worst enemy

Customer service is very, very poor. Agents only spoke broken English! Required 45 mins on the phone with multiple transfers and still didn’t get my card activated. This credit card is not worth the hassle of having to jump through hoops just to activate.

Poor service and shady reviews. Called to cancel my card, the automated attendant spouts their line, then says, “Goodbye,” and ends the call. This is NOT good business and reaffirms the abundance of negative reviews.

Needs negative star rating! Recieved a bill with zero balance. Many months after canceling. I canceled because my credit score is in the excellent rating and they want to charge me twenty-seven to twenty-nine percent! I only agreed to the original solicitation of this card because of the initial low rate (low single digit) so I could have an emergency card on hand if my family had an emergency and I could not be there. They continued to jack up my rate because I didn't use it enough. Lol. This time when I canceled, they tried to keep me by letting me know I was going to lose my several thousand points earned.

Got an offer and signed up. All good there, then went to take out a simple cash advance and they froze my card and said I have to fax in all kinds of ID docs. And they were rude. If you don't want to have customers use cash advance don't offer it! Cancelled immediately and shredded the card. Paid off the 38 dollars I charge at a gas station. Horrible call center and customer service.

I would not recommend this card to anyone. I will also be letting everyone I know not to use them. After 15 years this company decided because I paid my card off in full (which I have done before in the past) they would now hold my money and make me wait to be able to use my card just because they can. This tells me they don't care about their customers. If you're looking for a credit card, avoid this company and go elsewhere. I will be shutting my card down once it clears and go to a company that treats their customers better.

Tried to redeem 900.00 worth of gm rewards on 6/10/25. The points have been taken from me. I have yet to see them credited to my account. After many calls None of the inept employees can give an answer as to when this will be resolved. I am beginning to think GM Rewards are a figment of someone's imagination. They don't actually exist in the real world. I know I've been lied to several times now as to when this will be handled. You cant believe a word they say.

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.

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.