My GM Rewards Card

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My GM Rewards Card

Earn 10,000 Points After Spending $1,000 in 90 Days

My GM Rewards Card
  • Regular Purchase APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 9 months
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • No foreign transaction fees
  • 10,000 points after spending $1,000 on the My GM Rewards Card† in the first 90 days
  • Earn 7X points on GM purchases
  • Earn 4X points on all other purchases
Rates & Fees
  • Intro Purchase APR: 0% for 9 months
  • Regular Purchase APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99% to 24.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 26.99% variable based on the Prime Rate
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals

At a Glance

The My GM Rewards Card is a World Elite Mastercard and auto rewards credit card from General Motors and Goldman Sachs. The card offers a lucrative sign-up bonus, 0% APR period, and no hidden fees.

Ideal for Those Who:

  • Are planning on purchasing a Chevrolet, Buick, GMC, or Cadillac for your next vehicle
  • Will spend at least $5,000 on this card per year
  • Have an excellent credit score
  • Do not want to pay annual fees, transfer fees, or foreign transaction fees

My GM Rewards Card Review

The My GM Rewards Mastercard is an auto rewards credit card from Goldman Sachs and General Motors. The card makes saving up for your next vehicle a breeze, thanks to 7X points on GM purchases, 0% intro APR, and more – all for no annual fee.

Earn Up to 7X Points on Purchases

The My GM Rewards Mastercard is an auto rewards card, so it earns its most significant rewards on eligible purchases at GM. Cardholders earn up to 7X points on GM purchases, including service, parts, and accessories purchased at participating My GM Rewards Card dealerships or online, with fewer credits and returns.

The card also earns 4X points for every dollar spent on the My GM Rewards Card on eligible purchases outside of GM. That earning rate is exceptional – but only for those that plan to really make use of their card and spend towards the ultimate prize – a new GM vehicle. There’s no limit to how much a cardmember can earn and redeem toward an eligible, new GM vehicle.

Introductory Points Offer

New My GM Rewards Cardholders can earn a 10,000-point welcome bonus when they use their new card to make at least $1,000 in purchases on the card within 90 days of account opening. Judging value with auto rewards credit cards is difficult, given the extremely expensive award option many consumers select (a new card). Still, 10,000 points provide roughly the equivalent of 10% cash back, so it offers some solid value.

How to Redeem Points in the My GM Rewards Program

Redeeming points with My GM Rewards is straightforward. Cardholders can redeem unlimited points toward an eligible, new GM vehicle purchase or lease. Cardholders also have the option of selecting a pre-owned GM vehicle, with the ability to redeem up to $1,000 toward the purchase of a Chevrolet, Buick, GMC, or Cadillac Certified Pre-Owned vehicle.

Other redemption options include up to $250 toward paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, OnStar and Connected Services plans, GM Financial and Protection Plans, and SiriusXM®. Gold and Platinum rewards members can also redeem up to $250 per calendar year on gift cards from various eligible merchants, stores, restaurants, and more, at a 1% redemption rate.

Choose Your Own Card Design

Applicants have their choice of five unique card designs to help showcase their love for their favorite GM brands:

my gm rewards mastercard art
Select your card art from one of five unique designs

Anniversary Bonuses

Cardholders can also earn a $100 statement credit each calendar year after spending $1,500 on fuel (or, if they own an electric vehicle, after paying their utility bills for six months). Cardholders also get a $50 allowance when using their My GM Rewards Card for vehicle detailing at a participating GM dealer every calendar year.

0% Intro APR on Purchases

Rewards cards that feature 0% APR on that uncommon – in fact, it is a great way for card issuers to entice new accounts to spend heavily on their new card and achieve lofty spending goals. Few auto rewards cards come with any promotional APR, however, with the exception of special financing on parts and servicing.

The My GM Rewards is different in that it provides a nine-month, 0% introductory annual percentage rate on purchases. Once that initial period finishes, the rate jumps significantly, starting at around 15%, which is still very competitive with other similarly positioned rewards cards.

Other Card Features

The biggest GM perk of the My GM Rewards Mastercard is the granting of automatic Gold Tier status in GM’s loyalty program. Gold tier is the middle tier of the My GM Rewards program and offers a quality selection of benefits:

The My GM Rewards Card also benefits from Mastercard World Elite benefits. Mastercard World Elite® is the premier Mastercard product, offering the pinnacle of protections and perks, including:

  • Free ShopRunner Membership
  • Mastercard Luxury Hotel Collection
  • World Elite Concierge
  • Cell Phone Protection
  • ID Theft Protection
  • Zero Fraud Liability
  • Global Emergency Services

Other notable features of the card include no annual fee, no foreign transaction fees, and no fees for balance transfers or cash advances – all excellent benefits.

FAQs About GM and Goldman Sachs

  • Goldman Sachs purchases the GM credit card portfolio from Capital One in a deal worth over $2 billion. 
  • No. There is no limit on the total number of rewards a My GM Rewards member can redeem.
  • No. GM points never expire as long as the credit cardholder’s account is open and active. Non-GM credit cardholders points may expire, depending on their loyalty sttaus.

The My GM Rewards Mastercard is available in all 50 U.S. states and the District of Columbia.

Goldman Sachs Ratings

How does the My GM Rewards Card stack up? Here are a selection of expert reviews for the card and Marcus by Goldman Sachs – the card’s issuer:


User Rating


Should You Apply for the My GM Rewards World Elite Mastercard?

While the 7X points will turn heads, is the My GM Rewards Card worth the hype? If you are a loyal GM customer, the answer may be a strong yes. GM customers can benefit from the card’s high rewards-earning rate and GM-focused redemption options. Still, non-GM fanatics (or even those merely considering a GMC, Chevy, Buick, or other GM brand vehicle) might find the card to be thin on promise.

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