rewardopedia
Compare cards
Card reviewBarclays
Updated Apr 16, 2026 · research
GM Rewards™ Mastercard®
BarclaysGM RewardsEditorially reviewed

GM Rewards™ Mastercard®

Earn up to 10x points on eligible GM purchases (7x with card + up to 3x as GM Rewards Member) and 3x points on all other purchases. $0 annual fee.

Mid TierPersonal
Mastercard
Credit profile: good
$0
Annual fee
7x pts eligible gm purchases
Top rate
3%
Foreign fee
N/A
Rating

Current Welcome Offer

30,000 points

Spend $1,000 in 90 days

Verifiedproduct page
Apply NowCompare This CardBrowse all cards

Card Offers

public

30,000 points

Verified

Spend $1,000 in 90 days

product page

Earning Rates

Eligible GM purchases
7xpoints

Plus up to 3x points for being a GM Rewards Member (total up to 10x)

All other purchases
3xpoints

Groceries, gas, restaurants, travel, and more

Pros & Cons

Pros

  • No annual fee makes it a low-cost option for GM loyalists
  • Earns a strong 7 points per dollar on eligible GM purchases, stackable up to 10x with GM Rewards membership
  • Solid flat rate of 3 points per dollar on all other everyday spending
  • 30,000-point welcome bonus after a modest $1,000 spend in 90 days
  • Intro APR offer on qualifying GM purchases provides a useful financing window for larger GM transactions

Cons

  • Rewards are tied to the GM ecosystem, limiting flexibility for non-GM spenders
  • 3% foreign transaction fee makes it a poor choice for international use
  • No bonus categories for common spending areas like dining, groceries, or gas outside of GM purchases
  • Variable APR can reach as high as 32.24%, which is high if a balance is carried

Key Takeaways

  • No annual fee keeps the cost of ownership at zero
  • Earns up to 10x points on eligible GM purchases when combined with GM Rewards membership
  • Flat 3x points on all non-GM purchases provides consistent everyday value
  • A 3% foreign transaction fee makes this card unsuitable for international travel
  • The 0% intro APR on qualifying GM purchases over $499 can help finance larger GM-related expenses

Fees

Fee TypeAmount
Annual Fee$0
Foreign Transaction Fee3%

APR Information

Purchase APR
22.24% - 32.24%0% intro APR for 9 months
Balance Transfer APR
22.24% - 32.24%
Cash Advance APR
33.24%

APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.

Card Benefits

4 benefits

Purchase Protection

Statement Credits

Lifestyle Benefits

Coverage Tier Legend

Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average

Hidden Gems

Stackable GM Rewards Membership Bonus

The card's 7x rate on GM purchases is already competitive, but existing GM Rewards members can quietly stack up to 3 additional points per dollar, reaching 10x total. Many applicants may not realize the full earning potential depends on also maintaining GM Rewards membership status.

Extended Intro APR on Large GM Purchases

Beyond the initial 9-cycle intro APR, there is a follow-on 0% promotional APR for 6 more billing cycles on qualifying GM purchases over $499 made in the first 30 days. This two-phase financing benefit gives cardholders a longer runway to pay down significant GM purchases interest-free.

Authorized User Rewards Pooling

Adding authorized users allows their purchases to contribute to the primary cardholder's rewards balance, which can meaningfully accelerate points accumulation for households with multiple GM spenders.

Frequently Asked Questions

What is the annual fee for the GM Rewards Mastercard?
The GM Rewards Mastercard has a $0 annual fee. There is no fee waiver involved since the card carries no annual fee at all.
What welcome bonus does the GM Rewards Mastercard offer?
New cardholders can earn 30,000 bonus points after spending $1,000 within the first 90 days of account opening. This is the current public offer listed on the product page.
How do I earn the maximum 10x points on GM purchases?
The card itself earns 7 points per dollar on eligible GM purchases. By also being a GM Rewards member, you can earn up to 3 additional points per dollar, bringing the total to up to 10 points per dollar on eligible GM purchases.
Does the GM Rewards Mastercard have a 0% intro APR offer?
Yes. The card offers a 0% introductory APR for 9 billing cycles on qualifying GM purchases over $499 made within the first 30 days of account opening. After that period, a 0% promotional rate applies for 6 additional billing cycles, followed by the standard variable APR of 22.24% to 32.24%.
What is the foreign transaction fee on this card?
The GM Rewards Mastercard charges a foreign transaction fee of 3% on purchases made outside the United States. This makes the card a less ideal choice for international travel or spending.
What credit score do I need to apply for the GM Rewards Mastercard?
The card generally requires good credit for approval. Barclays may consider additional factors beyond credit score when evaluating applications.
Can I add authorized users to my GM Rewards Mastercard account?
Yes, you can add authorized users to your account. Authorized users can make purchases that earn rewards, but the primary cardholder remains responsible for all charges. Adding an authorized user may also have an impact on their credit profile.
Does the GM Rewards Mastercard offer any fraud protection?
Yes, the card includes $0 Fraud Liability protection, meaning you are not responsible for unauthorized charges. This is a standard Mastercard benefit, and it is important to report any suspicious activity promptly.
Can I access my FICO credit score with this card?
Yes, the GM Rewards Mastercard provides complimentary online access to your FICO Score along with alerts for any changes. This benefit is available as long as your account remains open, active, and in good standing, and may be removed at any time.
Does the GM Rewards Mastercard work with digital wallets?
Yes, the card is compatible with Apple Pay and Google Pay, making it convenient for contactless payments at supported merchants.

About This Card

The GM Rewards Mastercard is best suited for consumers who are loyal GM vehicle owners or frequent buyers of GM parts, accessories, and services who want to offset those costs through rewards. It also works as a straightforward everyday card for those who value a simple flat rate on non-GM spending with no annual fee.

The GM Rewards Mastercard earns 7x points on eligible GM purchases (up to 10x total with GM Rewards membership bonus), 3x points on everything else. Welcome bonus of 30,000 points after $1,000 spend in 90 days. 0% intro APR for 9 billing cycles on qualifying GM purchases >$499 within first 30 days of account opening, then 0% promo for 6 cycles after. Variable APR 22.24%-32.24%. Issued by Barclays Bank Delaware.

The GM Rewards Mastercard stands out in the co-branded auto card space by offering a no-annual-fee structure combined with a 3x flat rate on all non-GM purchases, making it more versatile than typical single-brand loyalty cards that offer little value outside their core category.

Ready to Decide?

Apply for the GM Rewards™ Mastercard®

30,000 points with no annual fee.

Spend $1,000 in 90 days

Apply NowCompare Cards

Reward Program

GM Rewards

Earns Points

Learn more

Card Categories

GmRewardsCashback

Sources & Methodology

Data Collection

We collect card details from official issuer pages, then verify them through editorial review.

Last updated:

Editorial Review

Pending editorial review.

Data Quality
  • 4 of 4 benefits rated high confidence
  • 1 of 1 offer verified
Learn More

Read our full methodology for how we collect, verify, and rate credit cards.

Found an error? Report it here.