My GM Rewards Card and GM Extended Family Card

Rates and Fees Information

Interest Rates and Interest Charges

Annual Percentage Rate
(APR) for Purchases

0% introductory APR for 12 months from the date of account opening.

After that, your APR will be 19.74% to 29.74% , based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

APR for Cash Advances

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 at https://www.consumerfinance.gov/learnmore

Fees

Transaction Fees

•   Cash Advance

None

Penalty Fees

•   Late Payment

Up to $40.

HOW WE WILL CALCULATE YOUR BALANCE:

We use the daily balance method (including new Transactions).

PRIME RATE:

Variable APRs are based on the 8.00% Prime Rate as of 03/31/2023. APRs will not exceed 29.99%.

FOR NEW YORK RESIDENTS:

For more information, call Issuer at 877-255-5923. New York residents may contact the New York state department of financial services by telephone or visit its website for free information on comparative credit card rates, fees and grace periods. Contact the New York state department of financial services at 1-800-342-3736 or http://www.dfs.ny.gov.