Barclays · Mastercard

GM Rewards Mastercard®

Credit 100 GM Earnings Bonus

$0 Annual Fee

21.24%–29.24% Variable Purchase APR

100 Welcome Bonus

670+ Recommended FICO

GM Earnings Reward Type

Welcome Bonus

100 GM Earnings

Welcome Bonus

Spend $1,000 in the first 90 days

Rewards

Reward TypeGM Earnings

Base Rate1x / 1%

Bonus RateUp to 4x

Point Value~0.01¢ each

Travel Portal1x

ExpirationGM Earnings do not expire as long as your account is open and in good standing.

Redemption NotesGM Earnings are redeemable only for eligible GM vehicle purchases, GM Certified Service, parts, and accessories at participating GM dealers. Cannot be redeemed for cash or statement credit.

Category	Rate	Type	Cap
GM Purchases Purchases at GM	4x	Points	No cap
All Other Purchases All other purchases	1x	Points	No cap

Benefits & Protections

Benefit	Category	Value / Coverage
Account Alerts Receive alerts for account activity, payments, and other important information.	Account Management	Customizable alerts
Online Account Access Manage your account, view statements, and make payments online.	Account Management	Online access
Paperless Statements Option to receive electronic statements instead of paper statements.	Account Management	Paperless option
No Annual Fee The card has no annual fee.	Fees	$0 Up to $0
No Foreign Transaction Fees No fees are charged on purchases made outside the United States.	Fees	$0 Up to $0
Everyday Purchases Rewards Earning Earn 1X point for every $1 spent on all other purchases.	Rewards Earning	1X point per $1
GM Purchases Rewards Earning Earn 4X points for every $1 spent on eligible GM purchases.	Rewards Earning	4X points per $1
Points Expiration Points earned do not expire.	Rewards Program Features	Points never expire
Unlimited Points Earning There is no limit to the total amount of points you can earn.	Rewards Program Features	Unlimited points earning
Unlimited Points Redemption There is no limit to the total amount of points you can redeem.	Rewards Program Features	Unlimited points redemption
GM Certified Pre-Owned Vehicle Purchase Redemption Redeem points towards the purchase of an eligible GM Certified Pre-Owned vehicle.	Rewards Redemption	Points towards GM Certified Pre-Owned vehicle purchase
GM Parts and Accessories Redemption Redeem points towards eligible GM parts and accessories.	Rewards Redemption	Points towards GM parts and accessories
GM Services Redemption Redeem points towards eligible GM services.	Rewards Redemption	Points towards GM services
New GM Vehicle Purchase Redemption Redeem points towards the purchase or lease of an eligible new GM vehicle.	Rewards Redemption	Points towards new GM vehicle purchase/lease
Fraud Liability Protection You are not held responsible for unauthorized charges made on your account.	Security	Zero liability

Interest Rates

Purchase APR21.24%–29.24% Variable

Balance Transfer APR21.24%

Cash Advance APR29.99%

Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationAvailable (no hard pull)

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 2 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive credit cycling, high cumulative credit limit across Barclays accounts, rapid application for multiple credit products (especially within Barclays), unusual spending patterns inconsistent with stated income or profile, failure to pay on time, or suspected fraud.

Cliff Effect Rules

Barclays does not have a published 'card family' rule like some other issuers. However, their extreme sensitivity to recent inquiries and new accounts (often referred to as 'Barclays' 6/24' or stricter) acts as a de facto cliff effect. Applying for any new credit card, especially within the last 6-12 months, significantly reduces approval odds for a new Barclays card, regardless of whether it's a co-branded or proprietary product. This sensitivity applies across all Barclays-issued cards.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

For 2026, the GM Rewards Mastercard from Barclays is projected to offer a sign-up bonus (e.g., X points or cash equivalent) upon spending Y amount within the first Z months of account opening. Eligibility requirements are stringent: applicants must possess an excellent credit score (typically 740+ FICO), demonstrate a low number of recent credit inquiries (ideally 0-1 in the past 6 months, and generally fewer than 3-4 in 12 months across all issuers), and exhibit conservative new account behavior (Barclays is highly sensitive, preferring applicants with 0-1 new credit card accounts opened across all issuers in the last 6-12 months, and generally fewer than 6 new accounts in the last 24 months). Applicants must also be 18 years or older, a U.S. resident, possess a valid SSN/ITIN, and have sufficient income to support the requested credit limit. Previous holders of the GM Rewards Mastercard may be ineligible for a new sign-up bonus if they received one within the last 24-48 months.

Barclays

Annual Fee

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Welcome Bonus 100 GM Earnings

APR 21.24%–29.24% Variable

More Barclays Cards

GM Rewards Mastercard®

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

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