GM Rewards™ Mastercard®
Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The GM Rewards™ Mastercard® from Barclays earns up to 3% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: Earn 30,000 bonus points after spending $1,000 in the first 90 days of account opening..
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
What does the GM Rewards™ Mastercard earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how GM Rewards™ Mastercard compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how GM Rewards™ Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 3% |
| Gas Gas stations and fuel | 3x points | 3% |
| Travel Flights, hotels, transit | 3x points | 3% |
| Other General everyday spend | 3x points | 3% |
Madeen values General Motors at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the GM Rewards™ Mastercard?
The GM Rewards™ Mastercard fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
GM Rewards™ Mastercard fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $3 foreign transaction fees.
- General Motors value depends on how you redeem, not straight cash back.
What is the GM Rewards™ Mastercard welcome bonus?
In Madeen's catalog snapshot, the GM Rewards™ Mastercard welcome offer is Earn 30,000 bonus points after spending $1,000 in the first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 30k General Motors (~$300 estimated)
- Terms (catalog snapshot)
- Earn 30,000 bonus points after spending $1,000 in the first 90 days of account opening.
- Minimum spend
- $1,000
- Window
- 90Days
Does the GM Rewards™ Mastercard have an annual fee?
The GM Rewards™ Mastercard has an annual fee of $0 and a foreign transaction fee of $3. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $3
What benefits come with the GM Rewards™ Mastercard?
The GM Rewards™ Mastercard includes Complimentary FICO® Credit Score, Global emergency services, HealthLock in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Common questions about the GM Rewards™ Mastercard
Does the GM Rewards™ Mastercard have an annual fee?
The GM Rewards™ Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the GM Rewards™ Mastercard?
Dining is the strongest Madeen category for the GM Rewards™ Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the GM Rewards™ Mastercard charge foreign transaction fees?
The GM Rewards™ Mastercard charges a foreign transaction fee of $3 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the GM Rewards™ Mastercard welcome bonus?
The GM Rewards™ Mastercard welcome offer in our snapshot: Earn 30,000 bonus points after spending $1,000 in the first 90 days of account opening.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the GM Rewards™ Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the GM Rewards™ Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the GM Rewards™ Mastercard?
Rewards on the GM Rewards™ Mastercard post as General Motors. Redemption value depends on how you use General Motors (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the GM Rewards™ Mastercard compare to similar cards?
Compare the GM Rewards™ Mastercard against Hawaiian Airlines World Elite Mastercard (3.6% on Dining, $99 fee); Hawaiian Airlines World Elite Business Mastercard (3.6% on Dining, $99 fee); FRONTIER Airlines World Mastercard (3.3% on Dining, $99 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
GM Rewards™ Mastercard This card | Dining | 3% | $0 |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $99 | |
| Dining | 3.3% | $99 | |
Barclays | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure