- Intro Bonus
- 15,000 pointsEarn 15,000 bonus points after you spend $1,000 in your first three months.
- Reward Rates
- 7XEarn unlimited 7x total points with GM.
- 4X4x points on purchases everywhere else.
- Balance Transfers Intro APR
- N/A
- Purchases Intro APR
- 0% Intro Purchase APR for 12 Months
- Regular APR
- 20.24% to 29.99% variable purchase APR based on creditworthiness. Rates as of 8/1/2023
- Annual Fee
- $0
Highlights
- Earn 15,000 bonus points after you spend $1,000 in your first three months - that's $150 in value when you redeem with GM
- Earn 4x points for every $1 spent everywhere, and receive unlimited 7x total points for every $1 spent with GM. Points don't expire as long as your account remains open
- Points add up fast! For example, spending $12K per year on everyday purchases will earn 48,000 pts which is $480 in value toward future redemptions with GM
- Looking for a new GM vehicle? Redeem unlimited points towards the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac
- Already own or lease a GM vehicle? Use your points toward your loan or lease payment with GM Financial, Certified Service, eligible Accessories and more
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply
- 0% intro APR on purchases for the first 12 months, then a variable APR of 20.24% to 29.99%
- See if you're approved with no impact to your credit score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score
- Terms Apply. Subject to credit approval
Staff Review
Editor's Rating: 3.9 out of 5 | Our take: This card offers a very generous rewards rate on GM spending and also on everyday purchases, but the card's restrictive redemption program doesn't leave you many options for rewards. |