GM Rewards Mastercard: benefits and how to apply

GM Rewards Mastercard: benefits and how to apply

Note: The GM Rewards™ Mastercard^® from Barclays may be a fit for drivers who buy, service or accessorize Chevrolet, Buick, GMC or Cadillac vehicles and want everyday purchases to help earn GM Rewards points. 

Credit card offers seem to come from all over the place. Should you shred them or beef up your spending power? With anything related to money and credit, the right answer depends on your habits and goals. If you exercise healthy habits and need to build more credit, getting another card might be a good idea. If keeping things simple and avoiding temptation are priorities for you, then consider forgoing a new card.

Like any financial tool, it’s important to determine whether the GM Rewards Mastercard aligns with your goals. Let’s dive into what makes this card unique and whether it’s right for you.

What is the GM Rewards Mastercard?

The GM Rewards Mastercard is a bridge to enriching the ownership experience of Chevrolet, Buick, GMC or Cadillac vehicles. Issued by Barclays, members earn points on eligible GM purchases and everyday spending, then use points for eligible GM products and services, including redemption toward a GM Financial or Cadillac Financial account balance.¹

• Seamless integration:Cardmembers are automatically enrolled in the GM Rewards program.² 
• Broad redemption opportunities: Points can be redeemed for eligible GM products and services purchased at a GM dealership or online through GM websites, including accessories³ and Certified Service,⁴ parts(including ACDelco parts),⁴ OnStar^® subscriptions,⁵ and toward GM Financial or Cadillac Financial account balances,¹ which may include potential wear and use fees at the end of your lease.
• Managed with convenience: Although prequalification, payments and account management are handled through Barclays, points are managed under the GM Rewards program and can easily be redeemed through existing customers’ MyAccount or at the dealership.

GM Rewards Mastercard benefits

The GM Rewards Mastercard is designed to help you enjoy rewards specific to your driving lifestyle. Here’s what the card offers:

• Up to 10X points on eligible GM purchases: Earn 7X points for every $1 spent on eligible GM purchases with the card, plus up to 3X points for being a GM Rewards member.⁶
• 3X points on everyday purchases: Earn 3X points for every $1 spent on all other purchases, including groceries, gas, restaurants, travel and more.⁶
• Welcome bonus: Earn 30,000 bonus points after spending $1,000 on your GM Rewards Mastercard in the first 90 days of account opening. Terms apply. ⁷
• $0 annual fee: The card has no annual fee, which may make it easier to keep if the rewards fit your spending habits.⁸
• GM purchase financing offers: Qualifying GM purchases greater than $499 may be eligible for introductory or promotional 0% APR offers, followed by a variable APR based on creditworthiness.⁹
• Additional card features: Benefits include online access to a FICO Credit Score,¹⁰ $0 fraud liability and compatibility with digital wallets.

How GM Rewards points help pay down your car

One of the standout features of the GM Rewards Mastercard is its ability to help reduce your GM Financial or Cadillac Financial account balance using GM Rewards points.² This makes recurring spending a practical way to chip away at your financial commitments.

If you finance with GM Financial, this is one of the most important differences between the GM Rewards Mastercard and other rewards credit cards. Everyday purchases can help build points over time, and eligible redemptions may reduce the balance you owe. Use the card for planned purchases you can pay off responsibly.

Here’s a step-by-step approach for using this benefit:

• Use the card responsibly for regular purchases. Focus on spending you can pay off monthly to minimize interest fees.
• Monitor your GM Rewards account. Stay informed on accumulated points and redemption options.
• Familiarize yourself with program terms. Points eligibility and redemption opportunities vary, so ensure you understand the finer details.

Is the GM Rewards Mastercard right for you?

The GM Rewards Mastercard may be worth it if you regularly spend with GM brands, want rewards that support vehicle costs and can pay your credit card balance responsibly. It may not be the best fit if you prefer cash back, travel flexibility or do not expect to redeem within the GM ecosystem.

Consider this card if—

• You own or plan to buy a Chevrolet, Buick, GMC or Cadillac vehicle.
• You frequently use GM Certified Service or OnStar, or purchase GM accessories.
• You value a rewards program that lowers vehicle-related costs.

Think twice if—

• You often carry a credit card balance, as interest charges could outweigh rewards benefits.
• You prefer cash-back or travel rewards with broader redemption options.
• You’re preparing for a large credit-related application, like a mortgage or auto loan, where new credit activity could have an impact.

How to see if you prequalify

See if you prequalify now with Barclays. Prequalifying is designed to use a soft credit check with no impact to your credit score. If you choose to submit a full application, Barclays will review your credit and determine approval in just a few minutes.

Considerations before you add another credit card

When considering any new credit card, keep credit basics in mind. A new card can affect your credit mix, available credit and new-credit activity. Paying on time, keeping balances manageable and avoiding unnecessary applications are still important. Before applying, it can help to think through both the potential benefits and the added responsibility.

Potential benefits:

• More available credit may help your credit utilization if your balances stay low.
• Rewards can add value when they apply to purchases you already planned to make.
• Responsible credit card use can help show lenders that you can manage credit over time by paying on time and keeping balances manageable.

Potential reasons to hold off:

A full application may involve a hard inquiry, and opening a new account can affect parts of your credit profile.

• ·Another card means another payment due date to track.
• If you carry a balance, interest charges can add up quickly and may outweigh the value of points, cash back or other card benefits.

Questions to ask yourself before getting a new credit card:

• Can I pay the balance in full or keep payments manageable?
• Will this card reward spending I already do?
• Am I comfortable tracking another due date?
• Am I planning to apply for a mortgage, auto loan or other major credit soon?

If you’re considering getting a new credit card, the GM Rewards Mastercard offers a unique opportunity to turn everyday spending into meaningful rewards that align with your automotive lifestyle. Explore how this card can drive you closer to your goals while keeping your finances on track.

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Common GM Rewards credit card questions

What is the GM Rewards credit card?
The GM Rewards credit card is the GM Rewards Mastercard from Barclays. It is connected to GM Rewards and cardmembers earn points on eligible GM purchases and everyday spending.

What are some of the main GM Rewards Mastercard benefit?
Benefits of the GM Rewards Mastercard include up to 10X points on eligible GM purchases,⁶ 3X points on other purchases,⁷ a welcome bonus after meeting the spending requirement,⁷ a $0 annual fee⁸ and eligible redemption options across GM products and services.

Is the GM Rewards Mastercard worth it?
A GM Rewards card may be worth it for people who frequently spend with GM brands and want rewards that can support GM-related costs. It may be less valuable for people who want flexible travel or cash-back rewards outside the GM ecosystem.

How do I apply or prequalify for the GM credit card?
See if you prequalify with Barclays. Prequalifying is a soft check with no credit-score impact that takes just a few minutes. If you then choose to complete an application, Barclays will conduct a credit review.

Can you make a GMF car loan or lease payment with a credit card?
You typically should not think of this as paying your car loan directly with a credit card. With the GM Rewards Mastercard, eligible GM Rewards points may be redeemed toward a GM Financial or Cadillac Financial account balance,¹ subject to program terms. Through GM Financial, customers can pay their car loan or lease bill with a credit card using Western Union® and MoneyGram® (both charge a fee). Find out more on our Payment Options page.

Disclaimers

¹To be eligible, Members must have a GM or Cadillac Financial MyAccount and a minimum of 500 points available. Customer is still responsible for ensuring all required payments are made on time.

²Must be 18 years or older. Points may only be earned and redeemed at GM entities, participating dealers and participating third parties in the fifty United States and Washington, D.C. Points are not earned on taxes, discounts, rebates, credits, shipping fees, state inspection fees, warranty repair work or body shop repair orders. Points may not be redeemed toward tax and shipping costs. Visit experience.gm.com/rewards/terms to view the GM Rewards Program Terms and Conditions.

³Members may redeem on Chevrolet, Buick, GMC and Cadillac accessories purchased through a GM accessories website or through a GM Rewards participating dealership. Points may not be redeemed toward tax and shipping costs.

⁴Must be a paid service or parts. Points may not be redeemed toward tax and shipping costs. Only available to Members at GM Rewards participating dealers. Visit https://experience.gm.com/gmrewardsdealers for a list of participating dealers.

⁵See onstar.com for details and limitations. Services vary by model. Redemptions for OnStar® plans (the "OnStar®Services") require that a Member have an active OnStar Services account and the OnStar® account be inked to the Member's Account.

⁶Conditions and limitations apply. Cardmembers may earn less than "the up to 3x points" as a GM Rewards member on some GM purchases. Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.

⁷Conditions and limitations apply. Please refer to the Introductory Bonus Offer section of the Terms and Conditions for more information about the introductory offer. Please refer to the Reward Rules within the Terms and Conditions for additional information about the rewards program.

⁸Offer subject to credit approval. This offer is available through this advertisement and may not be accessible elsewhere. Other offers may be available. For complete pricing and other details, please see the Terms and Conditions.

This offer is valid for approved applicants. Any bonus associated with this offer may only be earned once. You may not be eligible for this offer if you currently have or previously had an account with us in this program. In addition, you may not be eligible for this offer if, at any time during our relationship with you, we have cause, as determined by us in our sole discretion, to suspect that the account is being obtained or will be used for abusive or gaming activity (such as, but not limited to, obtaining or using the account to maximize rewards earned in a manner that is not consistent with typical consumer activity and/or multiple credit card account applications/openings). Please see the About This Offer section of the Terms and Conditions for important information.

Annual Fee is $0. 0% introductory APR on all Qualifying GM Purchases made within 30 days of account opening is applicable for 9 billing cycles from the transaction date. 0% promotional APR on all Qualifying GM Purchases made after 30 days of account opening is applicable for 6 billing cycles from the transaction date. These introductory and promotional APR offers do not apply to other purchases, balance transfers and cash advances. For new purchases and balance transfers and for outstanding purchases after the introductory and promotional periods, the variable APR is 22.24% to 32.24%, depending upon our review of your application, your credit history at account opening, and other factors. The variable APR for cash advances is 33.24%. The APRs on your account will vary with the market based on the Prime Rate and are subject to change. The minimum monthly interest charge will be $1.00. Balance transfer fee: 5% (min. $5). Cash advance and fee: 5% (min. $10). Foreign transaction fee: 3%. See Terms and Conditions for updated and more information about the terms of this offer, including the “About the Variable APRs on Your Account” section for the current Prime Rate information.

⁹Qualifying GM Purchases means all GM purchases greater than $499 made with this credit card account on new or certified pre-owned vehicles or customer-paid Certified Service at a GM Dealership, GM Genuine and ACDelco parts purchased at a GM Dealership or online through GM websites, GM Accessories purchased at a GM Dealership or online through GM websites, SiriusXM transactions, GM Energy purchases, General Motors Company Store purchases, General Motors Insurance purchases and OnStar transactions as determined by the merchant identification number(s) provided by GM.

¹⁰FICO® Score Access: FICO is a registered trademark of Fair Isaac Corporation in the United States and othercountries. Barclays offers FICO® Score access at its sole discretion. Not all accounts will have a FICO® Score available. FICO® Score access is not a permanent feature of your account and may be removed at any time. To view your FICO® Score, your account with us must be open, active (having activity within the past 150 days) and in good standing.<