GM Extended Family™ Mastercard®: A Comprehensive Guide

The GM Extended Family™ Mastercard® is a unique credit card offering designed to provide exclusive benefits for General Motors (GM) customers, particularly those who are interested in purchasing GM vehicles and enhancing their driving experience. In this guide, we will explore the key features of the GM Extended Family™ Mastercard®, its benefits, how it works, and how you can apply for it.

What is the GM Extended Family™ Mastercard®?

The GM Extended Family™ Mastercard® is a co-branded credit card that offers several valuable perks for GM customers and car enthusiasts. The card is issued by First Bankcard, a division of First National Bank of Omaha, and is designed to offer rewards for GM purchases, as well as a variety of other lifestyle benefits.

Unlike traditional credit cards, the GM Extended Family™ Mastercard® provides cardholders with the opportunity to earn GM Earnings which can be redeemed for discounts or cash towards the purchase or lease of a new GM vehicle. This makes it particularly appealing to those who are loyal to GM brands such as Chevrolet, GMC, Buick, and Cadillac.

Key Benefits of the GM Extended Family™ Mastercard®

1. GM Earnings for Every Purchase: One of the standout features of the GM Extended Family™ Mastercard® is the ability to earn GM Earnings on virtually every purchase made with the card. Cardholders earn 1% back in GM Earnings on most purchases, and this can be accumulated over time and redeemed for discounts on a new GM vehicle or service.
2. Special GM Earnings for GM Purchases: In addition to the standard 1% GM Earnings, cardholders can earn 2% back in GM Earnings on purchases made at GM dealerships for things like vehicles, parts, accessories, and service. This makes it easier for loyal GM customers to save on their next car purchase or service appointment.
3. Exclusive Offers for Cardholders: GM frequently provides exclusive offers for GM Extended Family™ Mastercard® cardholders. These can include limited-time promotions such as bonus GM Earnings, special financing offers, and discounts on vehicle maintenance services.
4. No Annual Fee: The GM Extended Family™ Mastercard® comes with no annual fee, meaning cardholders can enjoy the benefits of the card without having to pay for the privilege of ownership. This is a rare benefit among many co-branded credit cards, which often charge annual fees.
5. Flexible Redemption Options: GM Earnings accrued through the use of the card can be redeemed in a variety of ways. Cardholders can use them toward the purchase or lease of a new GM vehicle, GM vehicle accessories, or even towards vehicle maintenance and service costs at GM dealerships.
6. Mastercard Worldwide Benefits: As a Mastercard product, the GM Extended Family™ Mastercard® provides cardholders access to a range of worldwide Mastercard benefits, including purchase protection, extended warranty, and travel insurance. These perks can enhance the value of the card, providing security and peace of mind for cardholders who travel frequently or make significant purchases.
7. Easy Online Account Management: The GM Extended Family™ Mastercard® offers cardholders an online account management tool where they can track their GM Earnings, view transactions, and manage payments. This feature makes it simple to stay on top of spending and rewards.

How Does the GM Extended Family™ Mastercard® Work?

The GM Extended Family™ Mastercard® functions much like a typical credit card, but with added value through its rewards system. Every time a cardholder makes a purchase, they earn GM Earnings, which accumulate based on the following structure:

• 1% GM Earnings on everyday purchases.
• 2% GM Earnings on purchases made at GM dealerships, such as for vehicle purchases, parts, or services.

Cardholders can then use these earnings toward the purchase or lease of a new GM vehicle. The more purchases made with the card, the more GM Earnings the cardholder accumulates, potentially saving hundreds or even thousands of dollars on their next GM vehicle.

Additionally, GM Earnings can be redeemed for other GM-related expenses, including:

• Vehicle maintenance and repairs at participating GM dealerships.
• GM vehicle accessories for customizations or upgrades.
• On a new GM vehicle at the time of purchase or lease.

It’s important to note that GM Earnings are typically credited to the cardholder’s account within a few billing cycles, and there may be certain limitations or exclusions depending on the specific GM brand or dealership involved.

How to Apply for the GM Extended Family™ Mastercard®

Applying for the GM Extended Family™ Mastercard® is a simple process. Here’s a step-by-step guide to help you through the application process:

1. Eligibility: Before applying, ensure that you meet the eligibility criteria. Typically, applicants need to be at least 18 years old, a U.S. resident, and have a valid Social Security number. It’s also important to have a good credit score (typically 670 or higher) to increase your chances of approval.
2. Gather Required Information: To complete the application, you will need basic personal and financial information, such as:
   • Full name and address
   • Date of birth
   • Social Security number
   • Employment details
   • Income information
   • Contact information (email and phone number)
3. Submit Your Application: You can apply for the GM Extended Family™ Mastercard® online through the official GM credit card website or the website of the issuing bank, First Bankcard. The online application process is quick, and you should receive a decision within minutes.
4. Review and Acceptance: After submitting your application, the bank will assess your creditworthiness and decide whether to approve or deny your application. If approved, you will receive your new GM Extended Family™ Mastercard® in the mail, typically within 7-10 business days.
5. Activate Your Card: Once you receive your card, you will need to activate it either online or by calling the bank’s customer service. Activation is typically quick and easy.
6. Start Earning GM Earnings: After activation, you can immediately begin using your GM Extended Family™ Mastercard® and start earning GM Earnings on all your purchases, including those at GM dealerships.

Conclusion

The GM Extended Family™ Mastercard® is an excellent option for individuals who are loyal to the GM brand and want to earn rewards that can help offset the cost of their next vehicle purchase or service. With no annual fee, the ability to earn GM Earnings on all purchases, and exclusive deals at GM dealerships, this credit card offers valuable benefits for anyone who frequently shops at GM-affiliated locations. If you’re in the market for a new vehicle or want to take advantage of ongoing promotions, the GM Extended Family™ Mastercard® could be a perfect fit.

By following the easy application steps, you can start enjoying the rewards and benefits of the GM Extended Family™ Mastercard® today.