10 Best Credit Cards for GM of November 2026
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.
GM Rewards™ Mastercard®
Barclays
- +7x on Gm
- +30,000 points bonus (~$210 value)
- +No annual fee
Bilt Palladium Card
Cardless
- +2x on everything — points worth 2.0¢ each
- +Est. $100/yr value — $200 of Bilt Cash
- +50,000 points bonus (~$1,000 value)
Capital One Venture Rewards Credit Card
Capital One
- +2x on everything — points worth 1.3¢ each
- +75,000 miles bonus (~$975 value)
- +Up to 1.4¢/pt via British Airways Club
Why GM Rewards™ Mastercard® wins for GM
GM Rewards™ Mastercard® earns 7.0¢ per dollar at GM, the highest marginal rate in our list for this brand. Without an annual fee, the math is simple — every dollar you spend earns immediately. It's the right pick if you want maximum earn rate on this category and don't mind a focused rewards structure.
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Applicable Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| GM Rewards™ Mastercard®Barclays | 7x points Gm | 7.0¢/$ | $0 | — | mastercard |
| Bilt Palladium CardCardless | 2x Bilt Rewards All Other | 4.0¢/$ | $495 | $200 | mastercard |
| Capital One Venture Rewards Credit CardCapital One | 2x Capital One Miles All Other | 2.6¢/$ | $95 | $15 | mastercard |
| Capital One Venture X Rewards Credit CardCapital One | 2x Capital One Miles All Other | 2.6¢/$ | $395 | $315 | visa |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points All Other | 2.5¢/$ | $595 | $465 | mastercard |
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back All Other | 2.0¢/$ | $0 | $25 | visa |
| SoFi Unlimited 2%SoFi | 2% cash back All Other | 2.0¢/$ | $0 | — | mastercard |
| Chase Sapphire ReserveChase | 1x Ultimate Rewards All Other | 1.8¢/$ | $795 | $1,063 | visa |
| The Platinum Card from American ExpressAmerican Express | 1x Membership Rewards All Other | 1.5¢/$ | $895 | $1,139.50 | amex |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back All Other | 2.0¢/$ | $0 | — | visa |
More Options
How to maximize value at GM
- Use GM Rewards™ Mastercard® for GM purchases — it earns 7.0¢ per dollar at GM in our scoring.
- Shopping portals sometimes offer extra rewards at GM; check current portal rates before you buy.
- Pair GM Rewards™ Mastercard® with Bilt Palladium Card to cover categories where it earns more — diversifying your spend can lift your blended return.
- Plan a major GM purchase around your card's welcome offer window — GM Rewards™ Mastercard®'s sign-up bonus is worth roughly $210 on top of base rewards.
- Pay your statement in full each month — interest charges almost always exceed the rewards you'd earn.
Frequently asked
- What credit card earns the most at GM?
- GM Rewards™ Mastercard® ranks #1 for GM in our list at 7.0¢ per dollar at GM — no annual fee. Order uses the full scoring key described above the list (earn rate, redemption value, fee/credit balance, portals, and co-brand fit); welcome offers are not part of that default brand ranking.
- Can I stack a shopping portal with my credit card at GM?
- Shopping portals sometimes offer extra rewards at GM; check current portal rates before you buy.
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