GM Rewards Mastercard
By Alex Compton · Last verified
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
3% FTF
Credit Score
670+
(Good)
Current offer note: 30,000 bonus points after $1,000 in purchases within 90 days of account opening
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | 30,000 | $1,000 in 3 mo | Terms reconfirmed30,000 bonus points after $1,000 in purchases within 90 days of account opening | Barclays GM Rewards Mastercard product page → |
| 2026-06 | 30,000 | $1,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2025-05 | 30,000 | $1,000 in 3 mo | Earliest recordBarclays relaunch offer after the move from Goldman Sachs | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
30,000 points after $1,000 in 90 days confirmed; foreign transaction fee is 3%; financing now also 0% for 6 months on later GM purchases over $499.
Fields: foreignTransactionFee, pros, benefits
Barclays GM Rewards Mastercard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 7xEligible GM purchasesUp to 10x stacked with GM Rewards membership tiers
- 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 9 months on GM purchases over $499 in the first 30 days, then 0% for 6 months on later GM purchases over $499
- ✦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
- +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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