My GM Rewards Card and GM Extended Family Card

Rates and Fees Information

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

0% introductory APR for 12 months from the date of account opening.

After that, your APR will be 17.24% to 27.24% , based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

APR for Balance Transfers

17.24% to 27.24% , based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

29.24%

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from
the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore


Fees

Transaction Fees

•   Balance Transfer

•   Cash Advance

None

None

Penalty Fees

•   Late Payment

Up to $40.

HOW WE WILL CALCULATE YOUR BALANCE:

We use the daily balance method (including new Transactions).

PRIME RATE:

Variable APRs are based on the 5.50% Prime Rate as of 07/31/2022.

FOR NEW YORK RESIDENTS:

For more information, call Issuer at 877-255-5923. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. Contact the New York state department of financial services at 1-800-342-3736 or http://www.dfs.ny.gov.


Benefit Terms

My GM Rewards Card™

Table of Contents

Application Approval

Credit approval required. Terms and conditions apply.

New Vehicle Redemption Eligibility

Points are those reflected as of date indicated and are subject to additional purchases, returns and redemptions. Points may not be used with GM Fleet vehicle incentive programs, some other offers, the GM Employee Discount Program, GM Company-Owned Vehicle Discount or GM Supplier Discount Program. Other exclusions may apply. Please see Program Rules that are applicable to your account for terms, conditions, exclusions and limitations.  For current points, visit mygmrewardscard.com or call 1-888-316-2390.

7X Earn

Subject to credit approval.  Cardmembers will earn 7 points total for every dollar spent on the My GM Rewards Card on eligible purchases at GM. Eligible purchases include service, parts and accessories purchased at participating My GM Rewards Card dealerships or online, less credits and returns. To earn on most OnStar and Connected Services plans, a My GM Rewards Card online account is required. Points are accrued once per transaction and are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees.  Please see Program Rules that are applicable to your Account for other terms, conditions, exclusions and limitations.

4X Earn

Subject to credit approval.  Cardmembers will earn 4 points for every dollar spent on the My GM Rewards Card on eligible purchases outside of GM. Points are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees.  Points are accrued once per transaction. Points may not be used with the GM Company-Owned Employee Discount Program, GM Dealership Program, GM Supplier Purchase Program, GM Fleet vehicles or any vehicle sold or obtained at auction or any vehicle sold or obtained at an auction, a special event or titled to a business.  Please see Program Rules that are applicable to your Account for other terms, conditions, exclusions and limitations.

My GM Rewards Card Early Spend Bonus Offer

This offer is not available to applicants who have had this card or have another pending or approved application for the card (the “New Application Requirement”). Subject to credit approval.  Subject to the New Application Requirement, this offer is valid for new My GM Rewards Card members who spend $1,000 or more in eligible purchases in their first 3 months after opening an account. Offer subject to change. Limit one offer per account. “Purchases” do not include ATM withdrawals, balance transfers, cash advances, traveler’s checks, convenience checks, balance transfer checks, or any other account access checks, foreign currency, money orders, savings bonds, wire transfers or similar cash-like transactions, postage stamps, lottery tickets, casino betting chips, race track wagers or similar betting transactions, interest, unauthorized or fraudulent charges, and fees of any kind. Returns of purchases made during your offer period may impact your eligibility and rewards point bonus. 15,000 bonus points will be credited to your My GM Rewards account within two billing cycles after $1,000 in eligible purchases have posted to your My GM Rewards Card account during the offer period. To be eligible for this bonus offer, account must be open and in good standing at the time of fulfillment. See the My GM Program Rules for more details. Marcus by Goldman Sachs® reserves the right to modify or revoke offer at any time. If we determine that you have engaged in or plan to engage in abuse, fraud, or gaming in connection with this offer, you will not be eligible for this offer and any bonus points awarded to you may be revoked. Issued by Goldman Sachs Bank USA, Salt Lake City Branch.  

Intro APR Offer

0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from 17.24% to 27.24% based on creditworthiness. Balance transfers: 17.24% to 27.24% variable APR. Balance transfers are not available at this time. Cash advances variable APR of 29.24%. Up to $40 late penalty fee. August 1, 2022 Rates and terms here

Certified Pre-Owned Vehicle Redemption 

Cardmembers can redeem up to $1,000 in points (100,000 points= $1,000 value) per calendar year toward eligible Certified Pre-Owned GM vehicles. Points may not be used with GM Fleet vehicle incentive programs, some other offers, the GM Employee Discount Program, GM Company-Owned Vehicle Discount or GM Supplier Discount Program. Other exclusions may apply.

Gift Card Redemption (Up to $250 annually)

Cardmembers must log in to mygmrewardscard.com to redeem points toward gift cards. Each point redeemed toward a gift card is worth $0.0025 (e.g., 100,000 points = $250). Cardmembers are eligible to redeem up to 100,000 in points for $250 in gift cards per calendar year. Log in to mygmrewardscard.com for more details.

GM Service/Parts/Accessories/OnStar/GM Financial/SiriusXM

Cardmembers are eligible to redeem up to $250 of points accrued per calendar year toward qualifying GM purchases. Qualifying GM purchases include customer paid Certified Service, parts and accessories purchased at an authorized GM dealership or online, as well as eligible GM subscription services, including most OnStar and Connected Services plans, SiriusXM subscriptions and Chevrolet, Buick, GMC, and Cadillac Protection Plans. Cardmembers can redeem points at the point of transaction at participating GM dealerships, or by using their My GM Rewards Card to make an eligible purchase and logging in to mygmrewardscard.com to redeem for a statement credit. Points used toward SiriusXM must be redeemed within 90 days of qualifying purchase. Cardmembers can also redeem points toward eligible GM Financial monthly charges and GM Financial excess wear and mileage charges. GM Financial end of lease invoice must be received, and GM Financial and My GM Rewards accounts must be linked prior to redeeming the excess wear and mileage reward. Log in to mygmrewardscard.com for more details.

Fuel Statement Credit 

Cardmembers must verify their account and activate through mygmrewardscard.com to receive a $100 statement credit once $1,500 is spent on the My GM Rewards Card in fuel purchases at eligible gas stations per calendar year. Points will be applied based on the merchant category code used by the merchant who reports a transaction. Merchants do not always identify or bill transactions by the correct merchant category code, which could impact rewards offers on purchases in that merchant category code. GM and Goldman Sachs Bank USA are not responsible for merchant category code errors made by merchants. Please allow two business days for the statement credit to post. Log in to mygmrewardscard.com for more details.

EV Statement Credit

Eligible GM electric vehicle owners must verify their account and activate through mygmrewardscard.com to receive a $100 statement credit for using their My GM Rewards Card to pay 6 electrical bills from January 2022–December 2022. Cardmember must log in to their My GM Rewards Card account and link their GM electric vehicle. Transactions must post by December 31, 2022. Please allow two business days for the statement credit to post. Log in to mygmrewardscard.com for more details.

Vehicle Detailing Discount

Cardmembers receive a $50 allowance per calendar year to apply toward vehicle detailing services at a participating GM dealer. Dealer will apply allowance at time of service. No activation required. 

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC (“GS&Co.”), which are subsidiaries of The Goldman Sachs Group, Inc.  The My GM Rewards Card, GM Business Card, GM Extended Family Card, and GM Cards are issued by Goldman Sachs Bank, USA, Salt Lake City Branch.  General Motors is responsible for the operation and administration of the Points Program.


Benefit Terms

Extended Family Card

Table of Contents

Extended Family Early Spend Bonus Offer 

This offer is not available to applicants who have had this card or have another pending or approved application for the card (the “New Application Requirement”). Subject to credit approval. Subject to the New Application Requirement, this offer is valid for new GM Extended Family Card members who spend $1,000 or more in eligible purchases in their first 3 months after opening an account. Offer subject to change Limit one offer per new card member. “Purchases” do not include cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees. Returns of purchases made during your offer period may impact your eligibility and bonus Earnings. Bonus Earnings are equal to $100 only when redeemed as a statement credit or for the purchase or lease of a new vehicle at GM. Earnings may not be redeemed for any other use. Bonus Earnings will be credited to your Extended Family Card account within two billing cycles after $1,000 in eligible purchases have posted to it during the offer period. To be eligible for this offer, card account must be open and in good standing at the time of fulfillment. See the Extended Family Card Earnings Program Rules for more details. Goldman Sachs Bank USA reserves the right to modify or revoke offer at any time. If Goldman Sachs Bank USA determines that you have engaged in or plan to engage in abuse, fraud or gaming in connection with this offer, you will not be eligible for this offer, and any bonus Earnings awarded to you may be revoked. Issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Intro APR Offer 

0% Intro purchase APR for the first 12 months as a Cardmember; after that, variable APRs range from 17.24% to 27.24% based on creditworthiness. Balance transfers: 17.24% to 27.24% variable APR. Balance transfers are not available at this time. Cash advances variable APR of 29.24%. Up to $40 late penalty fee. August 1, 2022 Rates and terms here

GM Extended Family Card Earnings Eligibility

GM Extended Family Card Earnings are those reflected as of date indicated and are subject to additional purchases, returns, redemptions and expiration.  Earnings are not earned on cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees.  Earnings may not be used with some offers or on the purchase of certain vehicles, such as GM Certified Pre-Owned Vehicles, GM Fleet vehicles, any vehicle sold or obtained at auction or any vehicle sold through a special event or titled to a business not in your name.  Please see Program Rules that are applicable to your Account for terms, conditions, exclusions and limitations. For Current Earnings, visit gmcard.com or call 1-800-947-1000.

Application Approval

Credit approval required. Terms and conditions apply.

Trademarks

Marcus by Goldman Sachs® is a brand of Goldman Sachs Bank USA and Goldman Sachs & Co. LLC, which are subsidiaries of The Goldman Sachs Group, Inc.

 

The marks of General Motors, its divisions, slogans, emblems, vehicle model names, vehicle body designs appearing in this document are the trademarks and/or service marks of General Motors, its subsidiaries, affiliates or licensors. ©20XX General Motors LLC.

Goldman Sachs Bank USA, Salt Lake City Branch, is the issuer of the Extended Family Card. GM is solely responsible for the operation and administration of the Earnings program.  For more details about the General Motors Earnings program, including redemption options, go to gmcards.com.