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Goldman Sachs is a legendary investment firm that has helped manage the wealth of prominent households. You might be surprised to find out that this institution issues consumer and small business credit cards through its Marcus by Goldman Sachs platform.

What is Marcus by Goldman Sachs?

The investment firm launched Marcus by Goldman Sachs in 2016 to offer personal finance products, including:

  • FDIC-insured savings accounts and CDs
  • Credit cards
  • Personal loans
  • Investment accounts

Goldman Sachs currently issues three credit card products that are accepting applications. These cards are co-brand products that partner with Apple and General Motors. Each is a Mastercard product and may also feature Mastercard World Elite benefits.

Additionally, there were rumors of a Goldman Sachs credit card that would have been the first direct consumer product with an independent loyalty program. However, that idea was put on hold in early 2023 as the bank is focusing on other priorities.

Related: The Best Credit Card Reviews for 2023 (Cash Back, Travel, and More)

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.

The Apple Card is the first Goldman Sachs-issued credit card. It launched in 2019 and can be an excellent product if you use Apple products as you can earn bonus cash by checking out with Apple Pay and using your iPhone or Apple Watch to pay for purchases.

You can get up to 3% back on purchases:

  • 3% back at Apple
  • 3% back at select merchants when using Apple Pay
  • 2% back when using your iPhone or Apple Watch to pay with Apple Card
  • 1% back on all remaining purchases

A unique benefit of this card is receiving daily cash back. Instead of waiting until the end of the statement cycle to redeem your rewards, you are able to cash out daily. Your purchase rewards can deposit onto your card in the Wallet app to pay for purchases or go into an interest-bearing savings account.

While it’s best to pay your balance in full each month to avoid interest charges, this card also makes it easy to estimate your total interest costs if you carry a balance. The card estimates your interest payment based on your payment amount.

Another perk is that multiple users in the same household can utilize the Apple Card Family feature which helps each member build credit and learn money management skills. Linking the account makes it easier to track spending and manage payments.

You may also like this card as it’s a titanium metal credit card. Metal construction is unique as you usually need a premium credit card to avoid plastic construction.

Finally, this card doesn’t charge an annual fee, foreign transaction fee, or late fees. However, interest charges may still apply.

As a heads up, there is talk in August 2023 that the Apple Card partnership may shift to American Express. Until the partnership change becomes official, Goldman Sachs is the sole card issuer.

Related: What Are the Best Credit Cards for Apple Purchases?

My GM Rewards Card

The My GM Rewards Card™ (See terms and conditions) helps consumers wanting to buy or lease a General Motors product reduce their out-of-pocket expenses when it’s time to get a new car. Consider this card if you want your next vehicle to be a Chevrolet, Buick, GMC, Cadillac, or GM.

You will earn up to 7x rewards points on purchases:

  • 7x on GM purchases
  • 4x on all remaining purchases

While you will need to be patient and bank up your points for infrequent expenses, you’re essentially earning at least 4% back on purchases, which is an impressive earning potential.

Your redemption options include:

  • New GM vehicle purchase or lease
  • Certified Pre-Owned vehicle purchases (up to $1,000 per year in redemptions)
  • Paid GM Certified Services, qualifying parts, and accessories
  • GM Financial and Protection Plans (new or existing)
  • OnStar, connected services, and SiriusXM
  • Gift cards (up to $250 rewards value per year)

Read more in our My GM Rewards Card review.

There are also two different statement credits available to cardholders:

  • $100 annual statement credit: Spend $1,500 on fuel per calendar year or pay six months of your electric bills in a calendar year with your My GM Rewards Card.
  • $50 annual vehicle detailing allowance

Further, new cardholders can earn a signup bonus of 15,000 bonus points after making $1,000 in purchases during the first 3 months.

Here’s the credit score you’ll need for the My GM Rewards Card.

This product doesn’t have an annual fee or foreign transaction fee (See Rates & Fees).

15,000 Points Bonus: My GM Rewards Card™ (See terms and conditions)

GM Business Card

Business travelers are able to replace their daily driver sooner and with less overhead thanks to the GM Business Card™ (See terms and conditions).

You can earn up to 5% back on purchases:

  • 5% earnings on GM Genuine and ACDelco Parts, eligible accessories, and paid Certified Service at authorized GM Dealers
  • 3% at gas stations, restaurants, and office supply stores
  • 1% on all remaining purchases

These various bonus categories help make this product one of the best small business credit cards for travel.

It’s possible to redeem your earnings when buying or leasing eligible new GM vehicles with no redemption limits.

You can see if you qualify for the GM Business Card with only a soft credit check that won’t hurt your personal credit score.

New GM Business Card™ cardholders can earn $750 in Bonus Earnings towards the purchase or lease of eligible new GM vehicles after spending $5,000 on purchases in the first 5 months from account opening (See terms and conditions)

There is no annual fee or foreign transaction fee (See Rates & Fees).

$750 Bonus: GM Business Card™ (See terms and conditions)

GM Extended Family Card

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.

GM employees and suppliers can combine their earnings with existing relationship discounts through the GM Extended FamilyTM Mastercard®.

Your card purchases earn 1% back on all categories. This earn rate is not as robust as the personal My GM Rewards Card, but remember you’re eligible for exclusive relationship discounts.

You will need to provide your GM employee, family, or supplier ID for rewards and discounts. Your rewards won’t expire for seven years.

New applicants are eligible for $100 in bonus earnings after spending $1,000 within the first 3 months. This card doesn’t offer additional statement credits.

There is no annual fee.

Related: Best Credit Card Rewards For Road Trips


Goldman Sachs has credit card partnerships with Apple and GM. The rewards programs are appealing as you can easily earn bonus cash that you can redeem for cash back (Apple Card) or vehicle purchases (GM). These products won’t be a good fit if you are not loyal to either brand, but they are excellent rewards credit cards in their own right.

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