Intro (Purchases)
0% for 12 Months
Rewards Rate
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else
Annual Fee
Regular APR
19.74% to 29.74% variable purchase APR based on creditworthiness. Rates as of 4/1/2023
Cash Advance APR
Credit Recommended
Good, Excellent, 660+

Offer Overview

  • 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 19.74% to 29.74%
  • 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

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category. may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.