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

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

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

Redeem More

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

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

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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.

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Unlimited Earning and Redemption Power

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

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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 EV Statement Credit

Activate to start spending toward a $100 statement credit if you spend $1,500 on fuel annually with your My GM Rewards® Mastercard®, or if you own a GM electric vehicle and charge 6 electric bills annually with your My GM Rewards® Mastercard®. Enrollment required.

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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.

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Everyday Value

Enjoy discounts and perks including Lyft™, ShopRunner℠, Peacock, and Instacart.

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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.

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Travel Perks

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

Rates and Fees

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.

Annual Percentage Rate (APR) for Purchases

20.24% to 29.99% variable based on your creditworthiness.

APR for Cash Advances

29.99% variable.

Annual Fee

$0

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