Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for GM from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at GM. Order can differ from that column because ranking adds the adjustments above.
GM Rewards™ Mastercard® earns the top spot for GM purchases at 7.0¢ per dollar at gm — no annual fee. We ranked every card in our database against GM purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Barclays
Cardless
Capital One
GM Rewards™ Mastercard® earns 7.0¢ per dollar at GM, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.
Side-by-side view of the ranked picks.
| Card | Gm Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| GM Rewards™ Mastercard®Barclays | 7x points | 7.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,397 | amex |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | — | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $99 | — | mastercard |
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.8¢/$ | $95 | $134 | visa |
| Synchrony Premier MastercardSynchrony | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
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