My GM Rewards Card™ Review: Good for GM Loyalists

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The card_name offered by Marcus by Goldman Sachs is a good option for loyal customers of GM.

This no-annual-fee card earns 7x points for GM purchases, 4x points for all other purchases and offers benefits like no foreign transaction fees and $150 in annual credits.

We have a lot to cover, so let’s dive right in.

My GM Rewards Card™
  • bonus_miles_full
  • 7x Points on GM Purchases
  • 4x Points on All Other Eligible Purchases
  • 0% Intro purchase APR for the first 12 months, after that reg_apr,reg_apr_type..
  • No Annual Fee & No Foreign Transaction Fees
Learn More

Welcome Bonus

The card_name currently offers the following welcome bonus:


0% Intro APR

This card offers 0% Intro purchase APR for the first 12 months, after that reg_apr,reg_apr_type.

This can be a good deal if you pay off the full balance at the end of the 12 months. 

No Annual Fee

The My GM Rewards card has no annual fee, no cap on rewards you can earn, and the points don’t expire as long as you keep the card open. 

Earning Points

The My GM Rewards card earns:

  • 7x Points per dollar spent at GM, which includes eligible purchases include service, parts and accessories purchased at participating My GM Rewards Card dealerships or online.
  • 4x Points per dollar spent on all other eligible purchases, outside purchases at GM.

Redeeming Points

My GM Rewards points can be redeemed for eligible GM purchases at 1 cent per point or a much lower rate of 0.25 cents per point for gift cards.

New or Leased Vehicles (1 Cent Per Point)

You can redeem an unlimited amount of points towards a new vehicle or leased vehicle at a rate of 1 cent per point.

For example, you could redeem 100,000 points for $1,000 off your new GM car. 

Pre-Owned Vehicles (1 Cent Per Point)

Cardmembers can redeem up to $1,000 in points (100,000 points= $1,000 value) per calendar year toward eligible Certified Pre-Owned GM vehicles. 

Points may not be used with GM Fleet vehicle incentive programs, some other offers, the GM Employee Discount Program, GM Company-Owned Vehicle Discount or GM Supplier Discount Program

GM Service, Parts, Acessories, etc. (1 Cent Per Point)

Cardmembers are eligible to redeem toward qualifying GM purchases, including:

  • Customer-paid Certified Service, parts, and accessories purchased at an authorized GM dealership or online.
  • Eligible GM subscription services, including most OnStar and Connected Services plans, and SiriusXM subscriptions.
  • Chevrolet, Buick, GMC, and Cadillac Protection Plans.

Gift Cards (0.25 Cents Per Point)

Cardmembers can redeem up to 100,000 points per year for $250 in gift cards per calendar year.

This is not a great value at 0.25 cents per point, so I suggest you avoid this option.

My GM Rewards Card Benefits

This card comes with a lot of nice benefits including:

$100 Fuel or Electric Vehicle Credit

Cardmembers can activate an offer to receive a $100 statement credit when they spend $1,500 in fuel purchases at eligible gas stations per calendar year. 

Alternatively, eligible GM electric vehicle owners can activate the offer to receive a $100 statement credit after paying 6 electrical bills in a calendar year.

No Foreign Transaction Fees

This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.

Santorini Europe

$50 Vehicle Detailing Allowance

Cardmembers receive a $50 allowance per calendar year for vehicle detailing when they use their card to pay for detailing at a participating GM dealer each calendar year.

Mastercard World Elite Benefits

The My GM Rewards is a Mastercard World Elite credit card, which gets you access to special benefits and discounts, including:

  • Fandango: Provides a $5 Fandango reward for each $20 spent on Fandango.
  • Lyft: A monthly $5 Lyft credit after three rides.
  • DoorDash: Existing DashPass members will automatically get a $5 discount on their first 2 DashPass orders each month. In addition, cardholders who are new to DashPass will get a free 3-month DashPass membership.
  • ShopRunner: Free two-day shipping and free returns at 50+ merchants.

5 Different Card Designs

Cardmembers get the option of five different card designs based on your favorite car brand.

GM 5 Card Designs

Pros and Cons of My GM Rewards

Here’s a quick overview of this card’s advantages and disadvantages:


  • Very high earn rate for points (7x at GM and 4x everywhere else)
  • $100 in annual statement credits (after $1,500 in eligible fuel purchases)
  • No Annual Fee
  • No Foreign Transaction Fees


  • Rewards for non-GM purchases are low at 0.25 cents per point.
  • No travel or purchase protections.
  • Low welcome bonus of 15,000 points.

Alternatives to the My GM Rewards Card

Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.

Chase Freedom Unlimited®

No Annual Fee


  • bonus_miles_full
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants and Drug Stores
  • 1.5% Cash Back on All Other Purchases
  • 0% Intro APR for 15 Months (After that, a reg_apr,reg_apr_type APR.)
  • Purchase Protection and Extended Warranty
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Unlimited® (review) is a good no-annual fee credit card option that offers 5% cash back on travel booked through Chase Ultimate Rewards, 3% cash back at restaurants, takeout, eligible delivery services, and on drugstore purchases. Plus it offers 1.5% cash back on all other eligible purchases.

The card also offers nice benefits such as purchase protection, extended warranty, trip cancellation/interruption insurance, and secondary rental car insurance.

Bilt Mastercard®

No Annual Fee
Bilt Mastercard®
  • Pay Rent Without Fees and Earn 1 Point Per Dollar on Rent (up to 100,000 Points Per Calendar Year)
  • No Annual Fee
  • 3x Points on Dining
  • 2x Points on Travel
  • Transfer Rewards to Airlines and Hotels
  • Cell Phone, Primary Rental Car, and Trip Delay Insurance
Learn More Our Review

Bilt Mastercard® is a no-annual-fee credit card that allows you to pay rent without a transaction fee and earn 1 point per dollar on rent (up to 50,000 points per calendar year).

You also earn 3x points on dining, 2x points on travel, and 1x points everywhere else.

The Bilt Rewards card also has great benefits for a no-annual fee card, including cell phone insurance, primary rental car insurance, 90-day purchase protection, trip delay insurance, trip cancellation insurance, and no foreign transaction fees. 

Plus, you can transfer your points to airline and hotel partners such as United Airlines, American Airlines, and World of Hyatt. Or redeem the points for travel or at Amazon.

Citi® Double Cash Card - 18 month BT offer

2% Cash Back & No Annual Fee
Citi® Double Cash Card
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, reg_apr,reg_apr_type.
  • No Annual Fee
Our Review Learn More
Non-Affiliate Link

The Citi® Double Cash Card – 18 month BT offer boasts a strong 2% rewards rate on purchases, where you get 1% back when you buy and 1% when you pay. 

This zero-annual-fee card offers a solid earning potential as long as you pay your balance on time, and it provides a simple way to rack up points with no bonus categories to track. 

You can also boost your rewards by also holding the Citi Premier® Card (review), which allows you to transfer points to airline and hotel programs. This combination effectively allows you to earn 2 airline miles per dollar on all spending with the Citi Double Cash.

Is the Marcus My GM Rewards Card Worth It?

The My GM Rewards card is worth it if you know you plan on purchasing a GM vehicle or will be spending money at an eligible GM Dealership.

If you’re not sure that you can redeem points for GM purchases, then consider one of the cards above that will give you better rewards than a gift card redemption using GM Rewards points.

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