How the GM Card Works For You.
The GM Card is much more than just a no fee credit card. Not only does it offer you all of the convenience and purchasing power of Visa in over 150 countries worldwide, it also enables you to accumulate valuable Earnings toward any eligible new GM vehicle, plus a host of other benefits. In fact, it's one of the most richly rewarding credit cards in Canada. No wonder over one million Canadians have The GM Card in their wallets.

Best Award Card
Use The GM Card for your everyday purchases and you earn 3% of the purchase price (on eligible purchases) in GM Card Earnings. The more you use it, the more you earn. And the sooner you're behind the wheel of a new GM vehicle... for a lot less than you ever thought possible.

Best Reward
Even better, The GM Card sets absolutely no limit on how many Earnings you can accumulate over the course of a year. And when you're ready to purchase or lease a GM vehicle, you can apply up to $3,500 in GM Card Earnings towards the Total Purchase Price or lease down payment on any eligible new GM vehicle - depending on the specific vehicle you choose.

Stack It Up
Not only can you use your GM Card Earnings towards your eligible new GM vehicle purchase or lease, you can also take advantage of any other bonuses, promotions or offers. That's right, you can stack the Earnings on top. There's no better way to get a great deal on your next new vehicle!

Frequently Asked Questions and Answers
What is The GM Card?
What are GM Card Earnings?
Is there a limit to the amount of GM Card Earnings a Cardholder can earn over a year?
How will the Cardholder keep track of how many GM Card Earnings he/she has?
What are the vehicle redemption allowances?
Is there a minimum redemption level?
Can Earnings be used for parts or service?
Can GM Card Earnings be accumulated on purchases made outside Canada?
Can Earnings be transferred or pooled?
Can Earnings be combined with other programs?

What is The GM Card?
The GM Card is a no-fee Visa credit card with all the standard Visa benefits including:

• Acceptance at over 15 million places around the world
• Instant cash access at over 600,000 Automated Banking Machines (ABMs) and Visa cash advances at more than 380,000 Visa-affiliated locations worldwide
• Up to $150,000 in Travel Accident Insurance per eligible person

What are GM Card Earnings?
The Cardholder earns 3% in GM Card Earnings on eligible purchases made with The GM Card. Earnings can be accumulated and applied to the Total Purchase Price or lease down payment of any eligible new car, truck, SUV or van from Chevrolet, Pontiac, Buick, GMC, Cadillac, HUMMER, Saturn, Saab.

Is there a limit to the amount of GM Card Earnings a Cardholder can earn over a year?
One of the great things about The GM Card is that there is absolutely no limit to the amount of GM Card Earnings a Cardholder can earn over the course of a year. And that means you can accumulate GM Card Earnings as quickly as you want.

How will the Cardholder keep track of how many GM Card Earnings he/she has?
GM Card Monthly Billing statements provide all the information the Cardholder needs to track Earnings. In addition to showing the previous month's Visa account balance, the statement also displays GM Card Earnings for the current period, and the new, up-to-date Total Earnings amount.

What are the vehicle redemption allowances?
Redemption Allowances determine the maximum number of GM Card Earnings a Cardholder may redeem on a particular make or model of a new eligible General Motors vehicle.

Is there a minimum redemption level?
No. No matter how much - or little - a Cardholder has accumulated, Cardholders can redeem their GM Card Earnings towards an eligible new General Motors vehicle any time, once the Earnings have appeared on their billing statement.

Can Earnings be used for parts or service?
No, Earnings can only be used towards the Total Purchase Price or lease down payment of an eligible new General Motors vehicle.

Can GM Card Earnings be accumulated on purchases made outside Canada?
Yes. Purchases are converted to Canadian dollars, and Earnings are accumulated based on the Canadian dollar amount.

Can Earnings be transferred or pooled?
Earnings can be transferred to an immediate family member who doesn't have a GM Card Account and lives in the same household as the primary Cardholder. Earnings may not be pooled with any other GM Card Account, even if both accounts are held by the same person.

Can Earnings be combined with other programs?
Earnings can be used in conjunction with other programs such as Smart Purchase, SMARTLEASE™, the GM Mobility Program and the GM Driver Education Program.