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My GMC Rewards Card

Cory Santos

| Last updated on February 5th, 2024

In-Depth Review: My GMC Rewards Card

The My GMC Rewards Card is an auto rewards credit card that’s ideal if you are planning on getting a new GMC vehicle – or just prefer to have your existing vehicle serviced at GMC service centers. The card charges no foreign transaction fees and no annual fee.

Special Bonus Points Offer

Once you successfully apply for and receive your new My GMC Rewards Card, you can earn a 15,000-point bonus after making at least $1,000 in purchases on the card within 90 days of opening the account. You can also earn a $100 statement credit each calendar year after spending $1,500 on fuel. Or, if you have an GM electric vehicle, you can opt for a $100 statement credit when you use this card to pay six electrical bills in a calendar year.

Cardholders also receive a $50 allowance after using their GMC Rewards Mastercard for vehicle detailing at a participating GM dealer every calendar year.

How to Earn Rewards Points on Purchases

The My GMC Rewards Mastercard earns up to 7X total points per dollar on GM purchases, including service, parts, and accessories purchased at participating General Motors dealerships and service centers. That 7X point tally is impressive and provides excellent value if you are planning on buying or leasing a new GM vehicle.

The GMC credit card also earns 4X points per dollar on all other eligible purchases outside of General Motors brands. There is no limit to how much you can earn – and redeem – toward an eligible, new GM vehicle.

Estimated Points Breakdown

Here is a breakdown of the estimated costs of a new 2023 GMC Canyon at the $38,095 manufacturer’s recommended price (MSRP). This breakdown shows how much you can expect to earn when using your My GMC Rewards Card to purchase the vehicle, and the points totals:

  • $38,095 new vehicle MSRP (1X points per $5 of the MSRP) = 7,649 points via My GM Rewards loyalty program, a $76.49 cash value
  • $513 on auto Insurance (4X points) using the card = 2,052 points, a $20.52 cash value
  • $500 on vehicle maintenance (7X points) using the card = 3,500 points, a $35.00 cash value
  • $1,823 in taxes and fees (4X points) = 3,296 points, a $32.96 cash value
  • GM Protection Plan = 2,500 points, a $25 cash value
  • $300 OnStar Essentials plan (4X points) = 1,200 points, a $12 cash value
  • Total: 20,197 points, a $201.97 cash value

How to Redeem Points

Redeeming points with My GMC Rewards credit card is straightforward. You can redeem unlimited points toward an eligible new or pre-owned GM vehicle purchase or lease. Cardholders can also redeem up to $1,000 toward purchasing a Chevrolet, Buick, GMC, or GMC Certified Pre-Owned vehicle.

Other redemption options include points towards paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, OnStar and Connected Services plans, GM Financial and Protection Plans, and SiriusXM® subscriptions. Gold and Platinum rewards members can also redeem points towards gift cards from various eligible merchants, stores, restaurants, and more, at a 1% redemption rate.

That automatic gold status is perhaps the biggest GM perk of the GMC Rewards Mastercard. The gold tier is the middle tier of the My GM Rewards loyalty program and offers a quality selection of benefits:

How to Unlock a New Tier Silver Gold Platinum
3-year total spend on a new, eligible GM vehicle $0 to $44,999 $45,000 to $109,999 $110,000+
Combined spend on paid, eligible GM service, eligible accessories or parts, and OnStar and Connected Service Plans $0 to $1,499 $1,500 to $2,499 $2,500+
Yearly spend on My GM Rewards Mastercard N/A Automatic Gold Tier $15,000+
Points expiration Account is Closed; 5 Years of Inactivity Never Expire Never Expire

0% Intro APR on Purchases

The GMC Rewards card provides a twelve-month, 0% introductory APR on purchases, followed by a competitive, variable APR based on creditworthiness and the Prime Rate.

Other Card Features

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

Zero Liability Protection Airport Concierge Cell Phone Protection
Mastercard Global Services Priceless Experiences Lyft Credits
ID Theft Protection Priceless Golf Mastercard Travel Services
Mastercard Hotel Stay Guarantee ShopRunner Membership Hello Fresh Savings

Other notable features of the card include no annual fee and no foreign transaction fees – both excellent benefits.

Auto Rewards Card Comparisons

Not sure if the My GMC Rewards Card is right for you? Here’s how it compares to two competitors:

My GMC Rewards Card™

DrivePlus Mastercard®

Toyota Rewards Visa®
Earn up to 7X points on GM purchases, including service, parts, and accessories at participating dealerships, and 4X points on eligible purchases outside of GM Earn 5% back on FCA U.S. purchases, 2% back on gas and travel purchases, and 1% back on all other purchases Earn 3X points at Toyota dealerships, 2X on gas, dining, and entertainment, and 1X on all other purchases
15,000 points and 0% intro APR offer $100 back after spending $1,000 in first 90 days N/A

FAQs About GM and Goldman Sachs

  • Goldman Sachs purchased 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.
  • Managing your My Gm Rewards account is easy. You can manage your GM Financial Account through the GM Financial App or online by going to and signing in to My Account. From there, you can make a payment, access billing statements, update your profile and communication preferences, and even message with Customer Experience agents. 
  • Marcus can pull from any of the three major credit bureaus (Experian, Equifax, and TransUnion), but most datapoints point to TransUnion being the most commonly used company.

Marcus Ratings

What’s it like to live with Marcus as a card issuer? Here is a selection of ratings for Marcus by Goldman Sachs:

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

Even though the 7X total points per $1 can turn heads, is the My GMC Rewards Card worth the hype? The answer may be a strong yes if you are a loyal GM customer. GM customers can benefit from the card’s high rewards-earning rate and GM-focused redemption options. Still, non-GM enthusiasts (or even those merely considering a GMC, GMC, Buick, or other GM brand vehicle) might find the card thin on value.

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