MastercardGM Rewards Mastercard
3x on everything, as long as everything you want is a Chevy, GMC, Buick or Cadillac.
Welcome Bonus
30,000
≈$300 value
Spend Requirement
$1,000
in 3 months
Annual Fee
$0
No FTF
Credit Score
670+
(Good)
Current offer note: 30,000 points, about $300 toward a GM vehicle
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 7xEligible GM purchases
- 3xAll other purchases
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Points stack with GM Rewards membership for up to 10x on GM spend
- ✦0% APR for nine billing cycles on GM purchases over $499 made in the first 30 days
- ✦Redeem toward vehicle purchase or lease, parts, accessories and service
Why it earns its spot
- +3x everywhere is a huge accrual rate if you are buying a GM vehicle anyway
- +No annual fee and no foreign transaction fee
- +30k bonus on $1k spend is an easy $300 toward a car
Where it costs you
- −Points are only worth full value on GM products
- −Useless the day you decide your next car is not a GM
- −Redemption rules and caps have a history of devaluation
The Compound Verdict
For a committed GM household this quietly out-earns nearly every cash back card, 3% on everything toward the next truck. The whole value rests on actually buying GM, which makes it a bet on your own brand loyalty. History says GM has devalued these points before, so do not hoard for a decade.
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