My GM Rewards Card™
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. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 4%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the My GM Rewards Card™ earn in each category?
Dining is the strongest category at 4% effective value (4% back). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 4% effective value (4% back). That dining rate ranks higher than about 86% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 4% back | 4% Top category |
| Grocery Supermarkets and grocery stores | 4% back | 4% |
| Gas Gas stations and fuel | 4% back | 4% |
| Travel Flights, hotels, transit | 4% back | 4% |
| Other General everyday spend | 4% back | 4% |
Madeen values cash back 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 4% back. Best for spenders who put meaningful volume in dining and can earn 4% back. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
My GM Rewards Card™ fits spenders who put meaningful volume in dining and can earn 4% back. Madeen ranks its dining effective rate higher than about 86% 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 4% back.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 4% effective (4% back).
- That dining rate ranks higher than about 86% of cards we track in the category.
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the My GM Rewards Card™ have an annual fee, and what's the welcome bonus?
The My GM Rewards Card™ has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual vehicle detail credit
$50 annual vehicle detailing allowance
- Statement credit
Earn $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
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the My GM Rewards Card™?
Rewards on the My GM Rewards Card™ post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
| 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 |
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