$0
Annual fee
See the card
Card reviewBarclays
Updated Jul 23, 2026 · research
BarclaysGM Rewards Program
GM Rewards™ Mastercard®
Earn 30,000 bonus points after spending $1,000 in your first 90 days. Earn up to 10x points on eligible GM purchases and 3x points on other everyday spend.
Entry LevelPersonal
Mastercard
Credit profile: good$0
Annual fee
7x pts gm purchases
Top rate
3%
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 30,000 points
Spend $1,000 in 90 days
Verifiedlanding page
Card Offers
public
Earn 30,000 points
Spend $1,000 in 90 days
landing page
Earning Rates
GM Purchases
7xpoints
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).
Everyday Spending
3xpoints
Earn 3x points for every $1 spent on all other purchases, including 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 Type | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
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
3 benefits
Lifestyle Benefits
Other Insurance
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
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® offers robust points-earning potential with no annual fee. Cardmembers earn up to 10x points on eligible GM purchases (7x points with the card plus up to 3x points for being a GM Rewards Member) and 3x points on gas, groceries, restaurants, and travel. Points can be redeemed toward a new GM vehicle purchase or lease, GM parts, accessories, dealer services, or GM Financial statement credits.
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®
Earn 30,000 points with no annual fee.
Spend $1,000 in 90 days
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Sources & Methodology
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