GM Rewards™ Mastercard® review: A solid rewards card for GM fans
A niche rewards card for the GM loyalist.
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Snapshot
3.8
Bottom line
The GM Rewards™ Mastercard® earns big rewards on eligible GM purchases and everyday spending, but the card’s limited redemption options may only make sense for GM car owners or lessors.
Bankrate Insight
The My GM Rewards® Mastercard® was discontinued in August 2025 and replaced by the GM Rewards™ Mastercard®, issued by Barclays.
GM Rewards™ Mastercard®
Intro offer
Earn 30,000 bonus points
Rewards Rate
3x - Up to 10x
Annual fee
$0
Regular APR
22.99% - 32.99% (Variable)
4.2
Cardholder rating
Meets needs
Online tools
Customer service
Information safe
3.8
Bankrate score
Reward Details
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GM Rewards™ Mastercard® Overview
The GM Rewards Program offers solid loyalty rewards for nearly all things GM: eligible new and used vehicles, parts and accessories, dealership service and more. But the GM Rewards™ Mastercard® can take these rewards to another level. The card boasts a generous rewards rate on everyday purchases and GM-specific spending. It also offers a sizable welcome bonus for new cardholders.
However, you’ll only get the full one-cent-per-point value when you redeem points toward an eligible GM purchase. Other options come with a big cut in point value. So, while the GM Rewards Card earns kudos for its low annual fee and high rewards rates, its limited redemption options make it worthwhile only for a niche audience of GM loyalists.
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Rewards
- 7X points on every $1 spent on eligible GM purchases when you use your GM Rewards Mastercard
- 3X points on every $1 spent on all other purchases, terms may apply
Expert Appraisal: Good
See our expert analysis -
Welcome offer
- Earn 30,000 bonus points after spending $1,000 on your credit card in the first 90 days of account opening.
Expert Appraisal: Good
See our expert analysis -
0% intro APR offer
- Low Introductory 0% APR on qualifying GM purchases greater than $499 for 9 months made within 30 days of account opening. After that, a variable APR will apply, 22.99% to 32.99%, based on your credit worthiness.
Expert Appraisal: Typical
See our expert analysis -
Rates and fees
- $0 annual fee
- 3 percent foreign transaction fee
- Cash advance fee: Either $5 or 10 percent of the amount, whichever is greater
- Late payment fee: Up to $41
Expert Appraisal: Typical
See our expert analysis -
Other cardholder perks
- World Elite Mastercard benefits
Expert Appraisal: Unimpressive
See our expert analysis
What are the pros and cons?
Pros
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The card has no annual fee.
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It has a strong rewards rate for general purchases at 3X points, and a 7X rewards rate for GM-specific purchases.
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A relatively long intro APR on purchases greater than $499 could be helpful for large expenses like car repairs.
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The 30,000-point welcome offer is worth up to $300, higher than most other no-annual-fee card bonuses.
Cons
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The card recently added a 3 percent foreign transaction fee.
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Former cardholder perks, including several statement credits, are no longer offered with this card.
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The variable APR is quite high, making it potentially difficult to pay down an existing balance.
Why you might want the GM Rewards Card
While the GM Rewards Card is tied specifically to GM dealerships, it has broader benefits that could be worthwhile. The rewards rates are great for GM vehicle owners who use the dealership services but also want a card that can be useful for general purchases. There’s also the added bonus of having slightly fewer fees than most cards, making it a good no-annual-fee option for the GM loyalist.
Rewards rate: Decent flat-rate value
The GM Rewards Card earns 7X points on eligible GM purchases, including paid service, parts, accessories, WiFi at GM dealerships and select OnStar and GM Connected service plans. All other spending will earn 3X points, a higher rate on general purchases than most cards.
As a GM Rewards member, you can also earn points on eligible GM purchases, your OnStar® subscription, at the GM Company Store and when you pay for GM Certified Services. This combination provides solid rewards-earning value that can help build towards additional savings on GM expenses.
Intro APR: A rare addition for a retail card
The card comes with a 0 percent intro APR offer on new purchases greater than $499 for your first 9 months as a cardholder within the first 30 days of opening your account, after which the ongoing 22.99% - 32.99% (Variable) purchase APR applies, based on creditworthiness. While this offer is far from the longest intro APR period out there and has no balance transfer offer, retail cards often don’t come with intro APR offers. The intro APR could allow you to chip away at large expenses like car repairs.
Rates and fees: A fairly low-cost retail card
Retail cards and other co-branded cards are infamous for high rates and fees, but the GM Rewards card’s fees stay slightly below the norm. There is no annual fee, but there is a new foreign transaction fee and cash advance fee to worry about. Compared to even the best no-annual-fee cards, this card will impact your budget less than most.
Benefits: Recently lackluster
The GM Rewards Mastercard was formerly issued by Marcus by Goldman Sachs as the My GM Rewards Mastercard. The card was recently reissued through Barclays with several notable cuts to the former top-of-the-line retail card. While the rewards rates mostly stayed the same, statement credit and perks offerings were nixed, leaving the new GM Rewards card to be a straightforward rewards card with little else to show for it.
However, the GM Rewards Card still carries World Elite Mastercard benefits, including partner perks and travel services. Highlights include:
- Peacock: $3 off Peacock Premium or $5 off Peacock Premium Plus each month (offer expires 12/31/2025)
- Lyft: Receive a $5 credit each month after three rides or purchases, plus earn 10 percent on all rides to a U.S. airport (offer expires 1/31/2026)
- Booking.com: Get up to 7 percent off on prepaid stays (offer ends 9/30/2025)
- Instacart: 2 complimentary months of Instacart+ and $10 off your second order each month (offer expires 8/31/2025)
Why you might not want the GM Rewards Card
This card lacks auto-centric perks you might expect from a car rewards card and greatly restricts your redemption opportunities and value. You’ll miss out on common benefits like roadside dispatch service, auto rental collision damage coverage, travel insurance or purchase and extended warranty protections for large purchases.
Welcome offer: Above average for a no-annual-fee card
As a new cardholder, you can earn 30,000 bonus points after spending $1,000 on purchases within your first 90 days. Welcome bonuses aren’t often available on niche co-branded cards and a $1,000 spend should be relatively easy to reach in the first 90 days, especially if you use the card for your everyday spending or large expenses like a car repair.
This offer weighs in at a value of $300 if you redeem through General Motors. Many competitors offer at least a $200 value for an equal or lower spending requirement, comparatively.
Redemption: Fairly restrictive
Though there are many ways to earn rewards with the GM Rewards card, the redemption options are a bit more limited. The redemption rate when redeemed through General Motors holds at one cent per point.
There’s no limit when redeeming toward eligible GM purchases. To cover your GM purchases, you can redeem your points either at the dealership or through your online account. Along with purchasing or leasing new or used vehicles, you can redeem for the following:
- Service at a GM dealership, including oil changes, tires, tire rotations, wiper replacement and brake and engine repairs
- Eligible accessories, including wheels and floor liners
- GM Genuine and ACDelco parts
- Select OnStar plans when redeemed online
- GM Protection Plans for Chevrolet, Buick, GMC and Cadillac vehicles
- Exclusive experiences for rewards members, including Corvette Driving School and exclusive suite access at the U.S. Open
Since you can only use your points once you receive your next billing statement, you can’t put the windfall of points you earn from buying a vehicle toward the cost of the vehicle itself. You’ll have to use your rewards toward future GM purchases, which means you’re essentially locked into buying from the dealership. You also can’t combine points with other discounts, packages or promotional offers, including the GM Fleet vehicle incentive program or any GM or GM-affiliated company employee discounts.
How the GM Rewards Card compares to other no-annual-fee cards
Selecting rival cards to compare to the GM Rewards card is tricky since most cards don’t offer rewards tailored to car dealership or automotive purchases. A good flat-rate cash back card could be a rewarding option for vehicle-related purchases if you have enough money in the bank to cover it.
Annual fee
Intro offer
Earn 30,000 bonus points after spending $1,000 on your credit card in the first 90 days of account opening.
Rewards rate
Earn 7x points on every $1 spent on eligible GM purchases when you use your GM Rewards Mastercard, plus up to 3x points for being a GM Rewards Member. Earn 3x points for every $1 spent on all other purchases, like groceries, gas, restaurants and even travel.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months
Rewards rate
Earn unlimited 2% cash rewards on purchases.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Annual fee
Intro offer
Rewards rate
5% cash back on gas anywhere (up to $6,000). Plus members earn 3% back on eligible purchases when shopping in-club or digitally through Sam’s Club when they use their Sam’s Club Mastercard and another 2% back from their Plus membership, for a total of up to 5% rewards on eligible purchases. 3% cash back on dining and takeout. 1% cash back on all other eligible purchases.
Recommended Credit Score
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
Best cards to pair with the GM Rewards Card
Since the GM Rewards Card is only valuable for GM-brand spending, many rewards cards can maximize your earning potential on other purchases. However, this card still has a rewards rate that many no-annual-fee cards can’t beat, so it may be best to pair it up with another card.
Is the GM Rewards Mastercard right for me?
While it carries useful benefits for most credit card users, this card is geared towards a very specific audience. The GM Rewards Mastercard will likely suit you if you:
- Are highly loyal to GM or already own a GM vehicle
- Would greatly benefit from earning discounts on GM automobile services, accessories or to finance a new lease
- Plan on taking advantage of the unique GM member experiences
Alternative picks
If you're uncertain you could maximize this niche retail option, you may want to consider some alternatives.
Frequently asked questions
How we rated this card
We rate credit cards using a proprietary card scoring system that ranks each card’s estimated average rewards rate, estimated annual earnings, welcome bonus value, APR, fees, perks and more against those of other cards in its primary category.
Each card feature is assigned a weighting based on how important it is to people looking for a card in a given category. These features are then scored based on how they rank relative to the features on other cards in the category. Based on these calculations, each card receives an overall rating of 1-5 stars (with 5 being the highest possible score and 1 being the lowest).
We analyzed over 150 of the most popular rewards and cash back cards to determine where each stacked up based on their value, cost, benefits and more. Here are some of the key factors that influenced this card’s overall score and how the score influenced our review:
*The information about the GM Rewards™ Mastercard® and Sam’s Club® Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
What cardholders think
GM Rewards™ Mastercard®
In May 2024 and March 2025, Bankrate collaborated with a third-party vendor to survey 8170 cardholders nationwide. Bankrate and our vendor collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder's product details, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate's own reviews of these cards.
Community Reviews
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.