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My GM Rewards Card™See Rates & Fees
Partner Offer

My GM Rewards Card™

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.
Apply now at Goldman Sachs Bank USA's secure site
Intro Bonus
15,000 pointsGet 15,000 bonus points after you spend $1,000 in your first three months.*
Reward Rates
7XEarn unlimited 7x total points with GM.*
4X4x points on purchases everywhere else.*
Balance Transfers Intro APR
Purchases Intro APR
0% Intro Purchase APR for 12 Months*
Regular APR
19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023
Annual Fee


  • The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
  • Get 15,000 bonus points after you spend $1,000 in your first three months.*
  • Earn unlimited 7x total points with GM.*
  • Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
  • 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
  • No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
  • 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 & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. 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.

Read full review

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.