If you love General Motors vehicles and want to get rewarded for your everyday purchases, the My GM Rewards Mastercard is the perfect credit card for you. Designed to enhance your GM ownership experience, this card allows you to earn unlimited points on purchases and redeem them toward GM vehicles, parts, accessories, and even service appointments.
Whether you’re saving up for a brand-new Chevrolet, GMC, Buick, or Cadillac, this card helps you reach your goal faster while enjoying valuable perks along the way.
Beyond just vehicle savings, the My GM Rewards Mastercard offers exclusive cardholder benefits, including special financing options, no annual fee, and bonus earnings on gas, dining, and groceries. Plus, with flexible redemption options, you can apply your points toward a wide range of GM-related expenses or even use them for gift cards and statement credits. It’s time to take your rewards to the next level with a card that truly drives value!
Benefits of the My GM Rewards Mastercard
1. Earn Up to 7X Points on GM Purchases
When you use your My GM Rewards Mastercard for GM-related expenses—like purchasing a new vehicle, parts, accessories, or paying for service appointments—you earn 7 points per $1 spent. This industry-leading reward rate helps you save big on your next GM vehicle or keep your current one in top condition.
2. Welcome Bonus
Kickstart your rewards with the My GM Rewards Mastercard! Earn 15,000 bonus points when you spend $1,000 within the first 3 months of account opening.
3. 4X Points on All Other Purchases
No matter where you shop, you’ll earn 3 points per $1 spent on all other purchases. This ensures that everything from online shopping to travel expenses contributes to your growing reward balance.
4. No Annual Fee
Unlike many rewards credit cards, the My GM Rewards Mastercard comes with no annual fee, meaning you can enjoy all its benefits without worrying about extra costs.
5. Exclusive GM Discounts and Offers
Cardholders gain access to special promotions, exclusive GM discounts, and financing offers that aren’t available to the general public. This can lead to significant savings on your next vehicle purchase.
6. 0% Introductory APR on Purchases
Enjoy 0% APR for the first 9 months on eligible purchases, making it easier to finance a large purchase and pay it off over time without incurring interest.
7. No Expiration on Earned Points
Your reward points never expire as long as your account remains open. This means you can accumulate points over time and redeem them whenever you’re ready—whether that’s next month or years down the road.
8. Flexible Redemption Options
Redeem your points toward a variety of GM expenses, including vehicle purchases, lease down payments, parts, service, OnStar® plans, SiriusXM®, and more. You can also choose gift cards or statement credits for even more flexibility.
9. No Foreign Transaction Fees
Travel worry-free with no foreign transaction fees, allowing you to use your card internationally without incurring extra costs.
10. Contactless Payment & Mobile Wallet Integration
Use your card with contactless payments and link it to Apple Pay, Google Pay, or Samsung Pay for a fast, secure, and convenient way to shop.
11. Advanced Security Features
Stay protected with fraud monitoring, zero liability protection, and real-time alerts, ensuring your account is always secure.
12. Complimentary FICO Credit Score Access
Track your credit health easily with free access to your FICO credit score, helping you stay informed and manage your financial future.
Who Can Apply?
To qualify for the My GM Rewards Mastercard, applicants must meet the following criteria:
- Age: Must be at least 18 years old.
- Residency: Must be a U.S. resident with a valid Social Security Number.
- Credit Score: A good to excellent credit score (typically 670+) increases approval chances.
- Income Verification: Must have sufficient income to meet credit obligations.
- Valid Identification: Must provide a government-issued ID.
How to Apply
- Visit the My GM Rewards Mastercard Website
- Click “Apply Now” and fill out the online application.
- Enter Personal & Financial Details such as name, income, and SSN.
- Review the Terms & Conditions before submitting.
- Receive Instant Approval (in most cases) or further review if required.
- Activate Your Card & Start Earning Rewards once received.
Frequently Asked Questions
Can I finance a GM vehicle with my points?
Yes! You can use points toward the purchase or lease of a GM vehicle.
How long does it take to get approved?
Most applicants receive an instant decision upon applying online.
Is there an introductory 0% APR offer?
Yes! Enjoy 0% APR for the first 12 months on purchases.
Can I add an authorized user?
Yes, you can add a supplementary cardholder to help earn more rewards.
