Benefit Terms

My GM Rewards® Mastercard®

Table of Contents

Application Approval

Credit approval required. Terms and conditions apply.

New Vehicle Redemption Eligibility

You can redeem unlimited points toward the retail purchase or lease of eligible, new GM vehicles from authorized participating GM dealers. Points may not be redeemed for vehicles sold in connection with certain vehicle purchase programs, GM Employee/Supplier Discount Programs and some other offers. 1 point = $0.01. Other exclusions may apply. See Program Rules for terms and limitations.

7X Earn

Subject to credit approval. Cardmembers earn 7 points total (consisting of 4 base points plus 3 bonus points) for every dollar spent on eligible purchases with GM, minus credits and returns. Card account must be linked to your My GM Rewards Account to automatically earn bonus points on eligible GM purchases. Bonus points will be posted to your My GM Rewards Account separate from base points. See Program Rules for eligible GM purchases, terms and limitations.

4X Earn

Subject to credit approval. Cardmembers will earn 4 points for every dollar spent on purchases outside of GM, minus credits and returns. Other exclusions may apply. See Program Rules for terms and limitations.

 My GM Rewards Mastercard Early Spend Bonus Offer

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 for this offer. 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.

Certified Pre-Owned Vehicle Redemption 

You can redeem up to $1,000 in points value (equal to 100,000 points) per calendar year toward eligible Certified Pre-Owned GM vehicles from authorized participating GM dealers. Points may not be redeemed for vehicles sold in connection with certain vehicle purchase programs and some other offers. 1 point = $0.01. Other exclusions may apply. See Program Rules for other terms and limitations.

Points Redemption - $250 Annual Statement Credit

You can redeem up to $250 total in points value (equal to 100,000 points) per calendar year as a statement credit to be applied against your My GM Rewards Mastercard account balance. 1 point = $0.0025. Must first link your My GM Rewards Mastercard to your My GM Rewards Account to be eligible for this statement credit redemption option. May take up to two billing cycles for statement credit to be reflected on your account balance. You are still responsible for ensuring all minimum monthly payment obligations are met for the billing cycle in which the statement credit applies. Other exclusions may apply. See Program Rules for terms and limitations.

GM Service/Parts/Accessories/OnStar/GM Financial/SiriusXM®

You must link your My GM Rewards Mastercard to your My GM Rewards Account prior to redeeming Points online. You can redeem points toward paid GM Certified Service, purchases of GM Genuine Parts and ACDelco parts and GM accessories purchased in-store or online at authorized GM Dealers, most OnStar® plans, SiriusXM subscriptions and Chevrolet, Buick, GMC and Cadillac Protection Plans. You can redeem points at the point of transaction at participating GM dealers, or by using your Card to make an eligible GM purchase and logging in to mygmrewardscard.com to redeem for a statement credit within 365 days of your purchase. 1 point = $0.01. Other exclusions may apply. See Program Rules for terms and limitations.

GM Financial Account Redemption

You can redeem points for a statement credit to be applied against your GM Financial account balance. Must have a minimum of 500 points available for redemption and your GM Financial MyAccount must be linked to your My GM Rewards Account. You are still responsible for ensuring all required payments are made on time. 1 point = $0.01. Other exclusions may apply. See Program Rules for terms and limitations.

Fuel Statement Credit 

Cardmembers receive a $100 statement credit when they make $1,500 or more in fuel purchases at eligible gas stations per calendar year. You must activate this benefit every year through mygmrewardscard.com and must link your Card account to your My GM Rewards Account for purchases to qualify toward this benefit's spend requirement. Eligible fuel purchases are those made at gas stations that primarily sell automotive gasoline and diesel fuel that can be purchased at the pump or inside the station. Eligible purchases are determined by the MCC reported by the merchant. GM and Goldman Sachs Bank USA do not determine, and are not responsible for, the MCC reported by the merchant. See Program Rules for other terms and limitations. Please allow thirty business days for the statement credit to post after meeting spend requirement.

EV Statement Credit

Cardmembers who are GM electric vehicle owners are eligible to receive a $100 statement credit when they use their My GM Rewards Mastercard to pay 6 monthly electric bills that post in the same calendar year. You must activate this benefit every year through mygmrewardscard.com and must link your Card account to your My GM Rewards Account for electric bill payments to qualify towards this benefit. Out-of-home electric vehicle charging station purchases are not eligible. Please allow up to thirty business days for the statement credit to post. See Program Rules for other terms and limitations.

Vehicle Detailing Allowance

Cardmembers receive a $50 allowance per calendar year to apply toward vehicle detailing services at a participating GM dealer. Dealer will apply allowance at time of service. No activation required. Other exclusions may apply. See Program Rules for other terms and limitations.

GM Gold Tier

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. See My GM Rewards Program Rules for more details.

Points Don't Expire

Your account must be open and in good standing. See your program rules for details.

Goldman Sachs Bank USA, Salt Lake City Branch, is the issuer of the My GM Rewards Mastercard. General Motors LLC operates and administers the My GM Rewards Program. Mastercard and the circles design are trademarks of Mastercard International Incorporated.