Barclays
GM Rewards™ Mastercard®
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | 30,000 bonus points |
| Rewards Rate | Up to 10x points |
| Intro APR | 0% introductory APR for the first 9 billing cycles from the transaction date on all Qualifying GM Purchases greater than $499 made within 30 days from account opening. 0% promotional APR for the first 6 billing cycles from the transaction date on all Qualifying GM Purchases greater than $499 made after 30 days from account opening. |
| Regular APR | Purchases – 22.49% to 32.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for balance transfers – 22.49% to 32.49% based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for cash advances – 33.49% This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer – Either $5 or 5% of the amount of each transfer, whichever is greater. The minimum monthly interest charge will be $1.00. Balance transfer fee: 5% (min. $5). Cash advance and fee: 5% (min. $10). Foreign transaction fee: 3%. |
| Network | Mastercard |
About this card
The GM Rewards™ Mastercard® presents a highly polarized value proposition. Its strongest feature is an exceptionally robust rewards program for a no-annual-fee card, offering up to 10x points on eligible GM purchases and a standout 3x points on virtually all other spending, including gas, groceries, restaurants, and travel. The $0 annual fee further enhances its appeal, making it an excellent choice for General Motors enthusiasts who consistently pay their balance in full and can maximize GM-specific redemptions. The introductory APR on GM purchases and a generous sign-up bonus are also positive aspects. However, the card is severely hampered by its extraordinarily high regular APR, ranging from 22.49% to 32.49%. This makes carrying any balance extremely costly, effectively negating the value of earned rewards for many cardholders, especially those with 'Good' credit who likely have access to more competitive rates. The high balance transfer, cash advance, and foreign transaction fees further detract from its overall attractiveness. While the card is purpose-built for a specific niche and excels within that context, its critical flaw of a high APR makes it a risky and expensive option for the average consumer, preventing it from achieving a higher overall rating. The conditional nature of its value, dependent on diligent payment habits and GM brand loyalty, places it firmly in the 'Fair' category, indicating notable limitations despite its compelling rewards earning potential.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- Cashback on purchases
Things to consider
- High regular APR
- High balance transfer fee
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- Earn 30,000 bonus points after spending $1,000 in the first 90 days of account opening.
Rewards
- Up to 10x points - that’s 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, including groceries, gas, restaurants, travel and more.
Other features
- Intro APR Introductory 0% APR for 9 months on qualifying GM purchases greater than $499. After that a variable APR will apply, 22.49% to 32.49%, based on your creditworthiness. Take advantage of this offer within the first 30 days of account opening.
- Enjoy the flexibility of digital wallets With Apple Pay® and Google Pay®, store your digital card securely and, at the same time, enjoy even more convenience.
- Complimentary FICO® Credit Score Online access to your FICO® Credit Score lets you keep an eye on your credit score and get alerts when we learn that your score has changed.
- $0 fraud liability You are not responsible for any charges you do not authorize. This is one more way we protect you and your peace of mind.
- Low APR After the first 30 days of account opening, enjoy a promotional 0% APR for 6 months on qualifying GM purchases over $499 when you use your GM Rewards™ Mastercard®. After that, a variable APR will apply, 22.49% to 32.49%, based on your creditworthiness.
- Add authorized users to your account to increase your earnings, earn even more from authorized user purchases.
- No annual fee Enjoy all the card benefits for $0 annual fee.
Additional Notes
Qualifying GM Purchases means all GM purchases greater than $499 made with this credit card account on new or certified pre-owned vehicles or customer-paid Certified Service at a GM Dealership, GM Genuine and ACDelco parts purchased at a GM Dealership or online through GM websites, GM Accessories purchased at a GM Dealership or online through GM websites, SiriusXM transactions, GM Energy purchases, General Motors Company Store purchases, General Motors Insurance purchases and OnStar transactions as determined by the merchant identification number(s) provided by GM.