RateHerald

Our illustration in the card’s colours, not its design

Barclays credit card

GM Rewards™ Mastercard®

No annual fee. 30,000 points after you spend $1,000 in 3 months. Purchase APR 22.49–32.49%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Barclays’s terms

Welcome offer

30,000 points

After you spend $1,000 on purchases in your first 3 months.

Spending it takes
$333 a month
for 3 months
Tracking since
Sep 29, 2026
history will chart every change

Bonus is available after spending $1,000 in the first 90 days of account opening. Any bonus associated with this offer may only be earned once.

  • Larger than about 60% of the 44 other points bonuses we track.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at 1¢, the program's toward GM vehicles, parts and services, through General Motors value; rewards spendable only with GM: not counted (brand_rewards).

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.

Other points cards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

GM Rewards Program

How you earn

10×
Up to 10x points: 7x points on every $1 spent on eligible GM purchases when you use your GM Rewards Mastercard, plus up to 3x points for being a GM Rewards Member. Cardmembers may earn less than 3X points as a GM Rewards member on some purchases.
3×
Everything else

Points per dollar.

Benefits

  • Redeem points toward the purchase or lease of a new GM vehicle.
  • Redeem points for eligible GM accessories.
  • Redeem points for exclusive GM experiences.
  • Redeem points toward eligible service costs at GM dealerships.
  • Redeem points toward a GM Financial account balance; eligibility requires a GM Financial MyAccount or Cadillac Financial MyAccount and a minimum of 500 points available.
All 9 benefits
  • Online access to a FICO Credit Score with alerts when the score changes; availability is not guaranteed and the feature may be removed.
  • $0 fraud liability for unauthorized charges.
  • Apple Pay and Google Pay digital-wallet support.
  • Authorized users may be added to the account.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APRFirst 9 billing cycles from the transaction date on qualifying GM purchases greater than $499 made within 30 days from account opening; 0% promotional APR for the first 6 billing cycles from the transaction date on qualifying GM purchases greater than $499 made after 30 days from account opening
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$0 · cards.barclaycardus.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each transaction in U.S. dollars.. · cards.barclaycardus.com, since Oct 8, 2026
What is the purchase APR?
22.49–32.49% APR · cards.barclaycardus.com, since Oct 1, 2026
Is there an intro APR?
0% for First 9 billing cycles from the transaction date on qualifying GM purchases greater than $499 made within 30 days from account opening; 0% promotional APR for the first 6 billing cycles from the transaction date on qualifying GM purchases greater than $499 made after 30 days from account opening. · cards.barclaycardus.com, since Sep 29, 2026
Is there a welcome bonus?
30,000 points after $1,000 in purchases in 3 months. · cards.barclaycardus.com, since Oct 8, 2026
See it on cards.barclaycardus.com

We don’t earn anything from this link.