My GM Rewards® Mastercard®

The My GM Rewards® Mastercard® helps you accelerate how you earn points with every purchase. See Program Rules.

Approved Cardmember Offer

15,000 bonus points after spending $1,000 on the My GM Rewards® Mastercard® in your first 3 months.

Introductory Purchase APR

0% Intro APR for the first 9 months; thereafter variable APRs range from 20.24% to 29.99%.

Annual Fee

$0

Clicking Apply Now will take you to Goldman Sachs Bank website to apply for a My GM Rewards® Mastercard®. Application is subject to the Goldman Sachs Terms of Use and Privacy Policy.


Earn More

GM Rewards Card Spend Icon

4 points for every $1 spent using the card, anywhere, everyday.

GM Rewards Accessories Icon

7 total points for every $1 spent on paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible accessories, and most OnStar® and Connected Services plans.

Redeem More

GM Rewards New Vehicle Icon

Cardmembers can redeem unlimited points toward an eligible, new GM vehicle purchase or lease

GM Rewards Parts Icon

Redeem your points toward paid GM Certified Service, GM Genuine Parts and ACDelco Parts, eligible Accessories, most OnStar and Connected Services plans, GM Financial and Protection Plans, and SiriusXM®.

GM Rewards Certified Preowned Icon

Redeem up to $1,000 toward the purchase of a Chevrolet, Buick, GMC or Cadillac Certified Pre-Owned vehicle.

Automatic Gold Tier

My GM Rewards Cardmembers automatically earn Gold Tier status. There’s no annual fee and points don't expire.

GM Rewards New Vehicle Icon

Unlimited Earning and Redemption Power

There’s no limit to how much a Cardmember can earn and redeem toward an eligible, new GM vehicle.

My GM Rewards Special Offer Icon

Access to Special Offers

Unlock additional benefits including statement credit redemptions.

Special Offers for Cardmembers

There are so many ways for My GM Rewards Cardmembers to level up through two membership tiers and choose a path to more benefits and exclusive offers.

My GM Rewards Gas EV Credit

Statement Credit Toward Your Fuel or Electric Vehicle Bill

Gold and Platinum Cardmembers can receive a $100 statement credit for $1,500 in fuel spend per calendar year, or a $100 statement credit for six electrical bill payments per calendar year for GM electric vehicle owners.

My GM Rewards Vehicle Detailing Icon

Vehicle Detailing Allowance

Get a $50 allowance when you use your My GM Rewards Card for vehicle detailing at a participating GM dealer every calendar year.

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Gift Cards

Gold and Platinum Cardmembers can redeem up to $250 per calendar year on eligible gift cards from a variety of merchants, stores, restaurants and more, at a 1% redemption rate.

Access to Mastercard World Elite® Benefits.

As a My GM Rewards Cardmember, you have access to Mastercard World Elite® benefits, including special discounts and access to unforgettable experiences.

My GM Rewards Everyday Value Icon

Everyday Value

Enjoy discounts and perks including DoorDash℠, Lyft™, ShopRunner℠ and Fandango℠.

My GM Rewards Peace of Mind Icon

Peace of Mind

Mastercard Identity Protection helps protect Cardmembers with alerts, resolution services and lost wallet assistance. Zero Liability ensures that Cardmembers won’t be held liable for unauthorized purchases. Global Emergency Services are available 24/7 for lost and stolen card reporting, emergency card replacement, emergency cash advances and more.

My GM Rewards Travel Benefits Icon

Travel Perks

While on the road, Cardmembers can enjoy Concierge Services, Mastercard Travel & Lifestyle Services, Mastercard Airport Concierge and Mastercard Golf.

All Rates and Fees

Annual Fee

$0

Introductory Annual Percentage Rate (APR) for Purchases

0% for 9 months from the date of account opening.

After that, your APR will be 20.24% to 29.99%; variable based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) for Purchases

20.24% to 29.99% variable based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

29.99% variable.

Prime Rate 

Variable APRs are based on the 8.50% Prime Rate as of 07/31/2023. APRs will not exceed 29.99%.

This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. 

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.

Foreign Transaction Fee

$0

Cash Advance Fee

$0

Late Payment Fee

Up to $40

If you've got a question, we're here to help.

Find answers to your questions in the Support section. Not finding what you’re looking for? Contact a dedicated Member Support Specialist here.

My GM Rewards Program Terms & Conditions | My GM Rewards® Mastercard® Program Rules | GM Extended Family™ Mastercard® Program Rules | GM Business™ Mastercard® Program Rules | California Residents: Notice of Financial Incentive

Earn 4X All Purchases
Subject to credit approval. Cardmembers will earn 4 points for every dollar spent on purchases outside of GM, minus credits and returns. Points are not earned on fees or interest charges, cash advances, wire transfers, unauthorized or fraudulent transactions, purchases of traveler’s checks or other cash equivalents. Other exclusions may apply. See Program Rules for other terms and limitations.  

Earn 7X All Purchases
Subject to credit approval. Cardmembers earn 7 points total for every dollar spent on the My GM Rewards Card on purchases at GM, less credits and returns. To earn on most OnStar and Connected Services plans, a My GM Rewards Mastercard online account is required. Points are not earned on fees or interest charges, cash advances, wire transfers, unauthorized or fraudulent transactions, purchases of traveler’s checks or other cash equivalents. Other exclusions may apply. See Program Rules for other terms and limitations.

Extended Spend Bonus
This offer is not available to applicants who have had this card or have another pending or approved application for the card. Subject to credit approval. You can earn 15,000 bonus points when you spend $1,000 or more in eligible purchases in the first 3 months after opening an account. Eligible purchases do not include fees or interest charges, cash advances, wire transfers, unauthorized or fraudulent transactions, purchases of traveler’s checks or other cash equivalents. Other exclusions may apply. Returns of purchases made during your offer period may impact your eligibility and bonus points. Bonus points will be credited to your account within two billing cycles after meeting spend requirement. Account must be open and in good standing at the time of fulfillment. Offer subject to change. Limit one offer per account. We reserve the right to modify or revoke offer at any time. If we determine that you have engaged in or plan to engage in abuse, fraud, or gaming in connection with this offer, you will not be eligible for this offer and bonus awarded to you may be revoked. Credit card is issued by Goldman Sachs Bank USA, Salt Lake City Branch.

My GM Rewards Card APR & No Annual Fee
For the My GM Rewards Card: 0% Intro purchase APR for the first 9 months after account opening; after that, variable APR range from 20.24% to 29.99% will apply, based on creditworthiness. Cash advances variable APR of 29.99%. Up to $40 late penalty fee. Rates as of 8/1/23. Rates and terms here: www.marcus.com/gm-rates-and-fees.

Program and Card
My GM Rewards is separate from My GM Rewards Card. For Rewards: Must be 18 years or older. Points may be earned and redeemed only at GM entities, My GM Rewards participating dealers or third-party retailers in the United States (excluding Puerto Rico, the U.S. Virgin Islands or Guam). Points are not earned on taxes, fees or body shop repair orders and expire without further notice upon Member Account deactivation.

For My GM Rewards Card: Cardmembers may earn and redeem points at participating My GM Rewards Card dealers. Cardmember points are earned on qualifying purchases and do not expire. Points are accrued once per transaction and are not earned on taxes, discounts, rebates, incentives, cash advances, balance transfers, ATM withdrawals, finance charges or fees cash advances or other cash-like transactions, balance transfers, ATM withdrawals, savings bonds, finance charges or fees. Some restrictions apply. Subject to credit approval. Visit mygmrewards.com to view My GM Rewards Terms & Conditions.

Redeem New Vehicle
Must be an eligible paid service or parts. Only available to Members at My GM Rewards participating dealers. 

My GM Rewards is separate from My GM Rewards Cards. Credit approval required. Cardmembers can redeem points at the point of transaction, or by using their My GM Rewards Card to make an eligible purchase and logging in to mygmrewardscard.com to redeem for a statement credit.

Tier Mention
My GM Rewards Membership Tier is based on individual spend on GM vehicles, parts, service, OnStar and accessories, and My GM Rewards Cardmember status and spend. My GM Rewards is separate from My GM Rewards Cards. See My GM Rewards Terms and Conditions for more details.

Goldman Sachs My GM Rewards Card
Goldman Sachs® Bank USA, Salt Lake City Branch is the issuer of the My GM Rewards Card. General Motors is responsible for the operation and administration of the Points Program. For more details about the General Motors Points Program, including redemption options, see the My GM Rewards Card Program Rules.

Mastercard Trademark Use
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

GM Trademark
The marks of General Motors, its divisions, slogans, emblems, vehicle model names, vehicle body designs appearing in this document are the trademarks and/or service marks of General Motors, its subsidiaries, affiliates or licensors. ©2022 General Motors LLC.