Purchase APR
17.49–29.99%
Annual fee
None
Foreign fee
3%
0% transfers · 15 mo
Top-25 issuer620–719720+Cashback
Carrying $3k for a year ≈ $787.20
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39
GM Rewards Mastercard
Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
22.24–32.99%
Annual fee
None
0% intro
22.24%
0% transfer
22.24%
Foreign fee
3%
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
—
≤619
32.74%
620–719
32.74%
720+
22.99%
Lowest offered22.24%
Median26.62%
Highest offered32.99%
Introductory purchase APR
Promotional window: 9 months
The intro rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered22.24%
Median26.62%
Highest offered32.24%
Balance transfer APR
Promotional window: 9 months
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered22.24%
Median26.62%
Highest offered32.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered33.24%
Median33.62%
Highest offered33.99%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 5% or $5
Cash advance feegreater of 5% or $10
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$30
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$1
Balance computationOther
Additional fees
Returned Payment fee$41
Rewards, benefits and features
Rewards
None reported
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Other
Features
- Other
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone833-249-8431
Balance transfer calculator
Stay put — 9 mo at 24%$450
Transfer fee (5%)$250
Promo interest at 22.24%$417
You lose$217
Assumes you pay the balance down evenly across the 9-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 26.62% afterwards.
Cost to carry a balance
Interest for a year at 26.62%$798.60
Annual / periodic fees$0
Total yearly cost$798.60
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
9 documents filed by Barclays Bank Delaware in the 2026 Q1 archive.
- BarclaycardAddendum_04232687 KB
- BarclaycardPricing_04232684 KB
- BarclaycardSCA_042326140 KB
- GapCobrandAddendum_04232687 KB
- GapCobrandPricing_04232679 KB
- GapCobrandSCA_042326144 KB
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Annual fee
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