The GMC / GM Financial (Vehicle Financing) is a personal credit card from GMC / GM Financial (Vehicle Financing). The annual fee is N/A. The ongoing APR is 22.24% – 32.24% variable after a 0% for 9 billing cycles introductory rate for 9 months. Approval typically requires a credit score of 670+ or higher. Signup bonus: 30,000 bonus points after spending $1,000 in the first 90 days. Rewards: Earn Rewards GM Rewards members can earn points for actions they take in MyAccount.. Cash back: None (financing product). This product reports activity to your personal credit report. Pre-qualification available (soft pull)