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My GM Rewards® Mastercard®See Rates & Fees
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My GM Rewards® Mastercard®

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
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Intro Bonus
15,000 pointsEarn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
Reward Rates
7XEarn 7X total points for every $1 spent on GM purchases.
4XEarn 4X points for every $1 spent on all purchases.
Balance Transfers Intro APR
Purchases Intro APR
0% Intro Purchase APR for 9 Months
Regular APR
20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
Annual Fee


  • Earn 15,000 bonus points after spending $1,000 in your first 3 months - that's $150 in value when you redeem with GM.
  • Earn 4X points for every $1 spent on all purchases, and 7X total points for every $1 spent on GM purchases. Points don't expire as long as your account remains open.
  • Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM.
  • Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac.
  • Already have a GM vehicle? Use your points toward your GM Financial account, Certified Service, eligible Accessories, and more.
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.
  • 0% Intro APR on purchases for the first 9 months; thereafter, variable APR of 20.24% to 29.99%.
  • See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
  • Terms Apply. Subject to credit approval.

Staff Review

Editor's Rating:

3.9 out of 5

Our take: This card offers a very generous rewards rate on GM spending and also on everyday purchases, but the card's restrictive redemption program doesn't leave you many options for rewards.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.