90,000 Points
Worth $1,080
After you spend $5,000 on purchases on your new card in your first 3 months of card membership.
- 1.2%Everywhere
Annual Fee
$499
Rec. Credit
Excellent
Barclays
GM Rewards™ Mastercard®
This card is built for drivers who already plan to stay in the GM ecosystem and want everyday spending to help pay for their next vehicle, accessories, or service visits. It works best as a long-term spending card for loyal GM households, not as a flexible rewards card for people who want simple cash back or transferable travel points.
Welcome Offer
30,000 Points
Annual Fee
$0
Rec. Credit Score
Excellent
Good For
GM loyalists
All information about GM Rewards™ Mastercard® has been collected independently by MaxRewards. GM Rewards™ Mastercard® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Is the GM Rewards™ Mastercard® worth it?
This card is great for...
GM vehicle purchases
Dealership service costs
Everyday spending for auto rewards
Yes, if you expect to use the rewards with GM. A $0 annual fee, 3% back in My GM Rewards on general purchases, and 7% back on GM spending make this a strong fit for someone who wants their card rewards tied directly to car ownership. If you buy or lease GM vehicles, pay for service at GM dealers, or want help covering accessories, the card gives you a straightforward way to turn regular spending into meaningful value.
It is a weaker choice if you want flexible rewards. The headline earn rates are solid, but the value depends on redeeming through GM. If you are not committed to GM vehicles or dealer service, a general cash-back card will usually give you more freedom with similar simplicity.
MaxRewards Verdict
The GM Rewards Mastercard makes the most sense for cardholders who expect to buy, service, or upgrade GM vehicles over time. Its main limitation is simple: the rewards are useful only if GM is already part of your plans.
Welcome Offer
30,000 Points
after you spend $1,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$300
Required Spend
$1,000
Time Frame
3 Months
Est. Value
$300
Required Spend
$1,000
Time Frame
3 Months
Earning
Rewards
This card earns My GM Rewards points, with the strongest value for cardholders who will redeem through GM rather than looking for statement credits or travel options. The standout feature is the unusually strong 3% base earn rate on everyday purchases, plus elevated rewards on GM spending.
CategoryRate
GM
7%
Everywhere
3%
Rewards percent based on a valuation of 1¢ per My GM Rewards point
Benefits
More Benefits
Outfit your ride
Upgrade your ride with eligible GM accessories, inside and out. Points can be used to help personalize your vehicle to fit your style and needs.
Service your ride
From routine maintenance to unexpected repairs, your points can help cover eligible service costs at GM dealerships
Eligibility
Recommended Minimum Credit
Min: Excellent
Poor
Fair
Good
Excellent
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Rates & Fees
Annual Fee
$0
Purchase APR
0.00% - 32.24%
Variable
Transfer APR
22.24% - 32.24%
Variable
Cash Advance APR
33.24%
Variable
Foreign Transaction Fee
None
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
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After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
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Annual Fee
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Rec. Credit
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70,000 Points
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Rec. Credit
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