My GM Rewards Card™
Goldman Sachs and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Goldman Sachs. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The My GM Rewards Card™ from Goldman Sachs earns up to 4% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 4%
- 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 4x points.
What does the My GM Rewards Card™ earn in each category?
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how My GM Rewards Card™ compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 4% effective value (4x points at about 1 cents each). That dining rate ranks higher than about 92% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how My GM Rewards Card™ compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4x points | 4% Top category |
| Grocery Supermarkets and grocery stores | 4x points | 4% |
| Gas Gas stations and fuel | 4x points | 4% |
| Travel Flights, hotels, transit | 4x points | 4% |
| Other General everyday spend | 4x points | 4% |
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 My GM Rewards Card™?
The My GM Rewards Card™ fits spenders who put meaningful volume in dining and can earn 4x points. Best for spenders who put meaningful volume in dining and can earn 4x points.
My GM Rewards Card™ fits spenders who put meaningful volume in dining and can earn 4x points. Madeen ranks its dining effective rate higher than about 92% 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 4x points.
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 4% effective (4x points).
- That dining rate ranks higher than about 92% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- General Motors value depends on how you redeem, not straight cash back.
Does the My GM Rewards Card™ have an annual fee?
The My GM Rewards Card™ has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the My GM Rewards Card™?
The My GM Rewards Card™ includes Annual vehicle detail credit, Statement credit in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Statement credit
$240/yrEarn $100 statement credit when you spend $1,500 on fuel per calendar year or Earn a $100 statement credit when you use the My GM Rewards Card to pay 6 months of your electric bills
Annual vehicle detail credit
$50/yr$50 annual vehicle detailing allowance
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Common questions about the My GM Rewards Card™
Does the My GM Rewards Card™ have an annual fee?
The My GM Rewards Card™ 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 My GM Rewards Card™?
Dining is the strongest Madeen category for the My GM Rewards Card™ at about 4% 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 My GM Rewards Card™ charge foreign transaction fees?
The My GM Rewards Card™ does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What credit score do you need for the My GM Rewards Card™?
Madeen's catalog lists a typical credit range of Good to Excellent for the My GM Rewards Card™. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the My GM Rewards Card™?
Rewards on the My GM Rewards Card™ 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 do I maximize rewards on the My GM Rewards Card™?
To maximize the My GM Rewards Card™, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the My GM Rewards Card™ compare to similar cards?
Compare the My GM Rewards Card™ against GM Business Card™ (3% on Dining, $0 fee); Apple Card (1% on Dining, $0 fee); GM Extended Family Card™ (1% on Dining, $0 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 |
|---|---|---|---|
My GM Rewards Card™ This card | Dining | 4% | $0 |
Goldman Sachs | Dining | 3% | $0 |
Goldman Sachs | Dining | 1% | $0 |
Goldman Sachs | Dining | 1% | $0 |
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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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Goldman Sachs and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Goldman Sachs. 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