Barclays
GM Rewards Mastercard
Estimated value every year on typical spending
$125/ year
Every year, after the annual fee. Year one adds a $120 welcome bonus: $245
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Barclays GM Rewards Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending. The welcome bonus adds roughly $120 in the first year.
Its rewards are GM Rewards points, which only spend with one merchant, so we count them at 50% of face value.
The fine print
- Intro APR
- 0% for the first 9 months
- Regular APR
- 22.49% to 32.49% variable
- Foreign fee
- 3%
- Rewards paid as
- GM Rewards points · counted at half value
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 10x points on eligible GM purchases
- 3x points on all other purchases
Sign-up bonus
30,000 bonus points after spending $1,000 in the first 90 days of account opening.
Best for
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- Anyone who doesn't shop there often (rewards are GM Rewards points, so we count them at half value)
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 9 months
- Regular APR
- 22.49% to 32.49% variable
- Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
- $1200/mo on everyday spending earns about $58/year (0.4x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
GM Rewards Mastercard: questions people ask
Is the Barclays GM Rewards Mastercard worth it?
With no annual fee, the Barclays GM Rewards Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $125 a year on typical spending. The welcome bonus adds roughly $120 in the first year.
What is the Barclays GM Rewards Mastercard annual fee?
The Barclays GM Rewards Mastercard has no annual fee ($0).
What is the Barclays GM Rewards Mastercard welcome bonus?
Earn 30,000 bonus points after spending $1,000 in the first 90 days of account opening. We value it at about $120. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Barclays GM Rewards Mastercard earn?
10x points on eligible GM purchases. 3x points on all other purchases.
What credit score do you need for the Barclays GM Rewards Mastercard?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Barclays GM Rewards Mastercard charge foreign transaction fees?
Yes: 3%.
Does the Barclays GM Rewards Mastercard have a 0% intro APR?
0% for the first 9 months. After that the regular APR is 22.49% to 32.49% variable.
Similar cards
- ChaseAir Canada Aeroplan Card$408/yr · $195 fee
- ChaseChase Sapphire Preferred Credit Card$561/yr · $95 fee
- American ExpressDelta SkyMiles Gold American Express Card$404/yr · $150 fee
- ChaseIHG One Rewards Premier Credit Card$540/yr · $150 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.