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Many associate Goldman Sachs with investment banking and serving wealthy households. But the investment firm also offers credit cards with its Marcus by Goldman Sachs retail banking division. Here are the rewards credit cards through Goldman Sachs.

credit cards goldman sachs
Johnny uses his iPhone to learn more about plants.

GM Credit Cards

The primary offerings are for the consumer and business General Motors credit cards. These cards have a $0 annual fee and are a competitive option for earning rewards points on GM and non-GM purchases.

Consider these products when you want one of the best credit cards for buying a car. For example, the personal co-brand card earns at least 4% back on all purchases which is a phenomenal value that’s easy to put to use if you buy or lease vehicles from GM dealerships.

Below is a closer look at the various GM credit card options. The personal and business card options require a good or excellent credit score that should be 660 or above.

Related: What Credit Score Do You Need For A GM Rewards Card?

GM Rewards Card

The My GM Rewards® Mastercard® (see terms and conditions) is for personal purchases and offers these benefits:

  • 7X points on GM purchases
  • 4X points on all remaining purchases
  • $100 fuel statement credit after your first $1,500 purchases in a calendar year or $100 in EV charging credits after six monthly electric bill payments
  • Annual $50 vehicle detailing discount
  • Choose from 5 card designs (Chevrolet, Buick, GMC, Cadillac, or GM)
  • $0 annual fee AND $0 foreign transaction fee (See Rates & Fees)

Your point redemption options include new vehicle purchases or leases. Certified Pre-Owned purchases are also eligible for up to $1,000 in points per calendar year (100,000 points).

New My GM Rewards® Mastercard® (See terms and conditions) cardmembers can earn 15,000 bonus points after spending $1,000 on their My GM Rewards® Mastercard® in their first 3 months.

You can also redeem your points for up to $250 in gift card rewards per year. As 100,000 points equal $250 in gift cards, this redemption isn’t that valuable as each point is only worth $0.0025 cents while your points are worth $0.01 for vehicle purchases.

Additionally, there is no credit check to apply for the My GM Rewards® Mastercard®, although a hard credit check is needed to open an account if you agree to the initial credit limit and program terms.

Related: What Is The GM Rewards Card?

GM Business Card

Small business owners should consider the GM Business™ Mastercard® (See terms and conditions), which earns up to 5% back on purchases:

  • 5% Earnings on purchases of eligible GM parts, accessories, and services at authorized GM dealers
  • 3% Earnings on purchases at gas stations, restaurants, and office supply stores
  • 1% Earnings on all other purchases

You can redeem your rewards when buying or leasing a new GM vehicle.

New GM Business™ Mastercard® members can get $750 in Bonus Earnings to redeem with GM when they spend $5,000 in their first 5 months (See terms and conditions).

Like the personal My GM Rewards® Mastercard®, there is no credit check to see if you qualify, but your personal credit score takes an impact when you accept the credit offer to open an account.

More Information: The GM Business Card: Perfect for Business Road Trips

GM Extended Family Mastercard

The information for the GM Extended FamilyTM Mastercard® has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

The GM Extended FamilyTM Mastercard® is for eligible GM employees, suppliers, and their family members. The purchase rewards can be combined with other employee and supplier discounts when buying or leasing a new vehicle.

All card purchases earn 1% back.

The signup bonus is a $100 bonus rewards cash after spending $1,000 within the first 3 months.

The earnings can be saved for up to 7 years before expiring. This is the only co-branded GM credit card with a points expiration date.

This card doesn’t have an annual fee or a foreign transaction fee.

Related: Does Goldman Sachs Have a Credit Card?

Apple Card

The information for the Apple Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Goldman Sachs also issues the Apple Card which is one of the best credit cards for Apple Pay to earn up to 3% daily cash back on qualifying purchases. This card also happens to be Goldman Sachs’s first credit card.

Card benefits include:

  • 3% back on Apple purchases
  • 3% back at select merchants using Apple Pay
  • 2% back when using your iPhone or Apple Watch to pay with Apple Card
  • 1% back on all remaining purchases
  • Can redeem daily cash back
  • Earn interest on daily cash back (opt-in required for Savings)
  • Personalized repayment plans to minimize interest charges
  • It’s a titanium metal credit card
  • No annual fee
  • No foreign transaction fee

You may also consider this card if you have fair credit as you can earn competitive cash rewards similar to the best rewards credit cards that normally require having a good or excellent credit score of 670 or above.

Here’s what Apple says about the minimum credit score to qualify for the Apple Card, “Goldman Sachs uses TransUnion and other credit bureaus to evaluate your Apple Card application. If your credit score is low (for example, if your FICO9 score is lower than 600),5 Goldman Sachs might not be able to approve your Apple Card application.

While this Goldman Sachs credit card isn’t the best fit for every household, it ranks as the #1 best co-branded credit card with no annual fee for customer satisfaction, says the 2023 J.D. Power U.S. Credit Card Satisfaction Study. This is the third consecutive time they’ve received this honor.

Related: Is It Hard To Get A Goldman Sachs Credit Card?

Is Goldman Sachs a Good Credit Card?

The Goldman Sachs credit card offerings are good if you like GM or Apple. Consider GM credit cards when you want to earn a competitive cash back rate on any purchase. More importantly, be sure you can redeem your rewards for GM vehicle purchases or leases to redeem your GM rewards points for maximum value.

Apple Card is a good option for cash rewards, especially if you’re building credit or have imperfect credit. You will benefit the most from the card if you have an Apple mobile device to pay for purchases to earn bonus cash more often.


The General Motors and Apple co-brand credit cards are available through Goldman Sachs. The credit card issuer doesn’t have a general rewards card to compete with other flexible redemption programs, but you will still be able to earn exciting rewards on bonus categories and everyday spending with either program if you regularly support either brand.

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