GM Rewards Mastercard: what it earns

Updated September 24, 2026 · from RightCard's verified card and merchant data

GM Rewards Mastercard earns a flat 3x points on everything. We value other points programs at 1¢ per point toward travel and 1¢ as cash; the table below shows both readings. No annual fee.

Every category, as published

The everyday rates only. No welcome bonus, no limited-time offers. Where a rotating 5% quarter is live today it is noted in the row.

Category	Earn	≈ value / $1
Restaurants	3x points	3¢ cash · 3¢ travel
Supermarkets	3x points	3¢ cash · 3¢ travel
Gas stations	3x points	3¢ cash · 3¢ travel
Travel	3x points	3¢ cash · 3¢ travel
Online shopping	3x points	3¢ cash · 3¢ travel
Drugstores	3x points	3¢ cash · 3¢ travel
Transit & rideshare	3x points	3¢ cash · 3¢ travel
Streaming	3x points	3¢ cash · 3¢ travel
Everything else	3x points	3¢ cash · 3¢ travel

Travel value uses 1¢ per point for other points programs, a conservative figure. Cash redemptions on most points programs pay 1¢ or less.

Where it beats a flat 2% card

Restaurants, Supermarkets, Gas stations, Travel, Online shopping, Drugstores, Transit & rideshare, Streaming. Everywhere else a plain 2% card earns more, so this card is a category card, not an everything card.

Built-in store rates

Permanent card benefits in our verified data, not offers.

Store	Rate
GMC	7%
Chevrolet	7%
General Motors	7%
Cadillac	7%
Buick	7%

See it against the rest of your wallet →

How RightCard handles this: add the GM Rewards Mastercard in the app and it competes with your other cards at every store, with your bank offers and this quarter's rotating bonus folded in. The app is free and private. No bank login. Recommendations are computed on your phone.

Get RightCard on the App Store

FAQ

What does the GM Rewards Mastercard earn at supermarkets?

3x points at stores that code as supermarkets. Superstores and warehouse clubs usually do not count.

What does the GM Rewards Mastercard earn on everything else?

3x points on purchases outside its bonus categories.

Does the GM Rewards Mastercard have an annual fee?

No annual fee.

How much are GM Rewards Mastercard points worth?

About 1¢ each toward travel by our conservative estimate for other points programs, and 1¢ or less as cash.

Where these numbers come from: RightCard's data pipeline re-checks each card's published rates weekly and lists a rate only after two independent sources agree. Merchant codes come from our merchant directory. If a card or store is missing here, it is because we could not verify it, not because we guessed.

More guides: Rate my wallet · All cards ·