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About Our Ratings
Credit Needed
None

GM Flexible Earnings Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Annual Fee
$0

This card compared to other cash back cards

Cashback on Gas
3% at U.S. gas stations
2% at U.S. gas stations
Cashback on Groceries
6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
3% at U.S. supermarkets on up to $6,000 per year in purchases
Cashback on other
1% other purchases. Terms and limitations apply.
1% other purchases. Terms and limitations apply.
Purchase Intro
APR:
0%
Period:
12 months
APR:
0% on Purchases
Period:
for 12 months
APR:
0% on Purchases
Period:
for 12 months
Purchase APR
13.99% - 22.90% Variable 
13.49%-23.49% Variable 
13.49%-23.49% Variable 
CardRatings.com Editorial Staff

GM Flexible Earnings details

Balance Transfer Intro APR:
0.00%
Balance Transfer Intro Period:
12 months
Purchase Intro:
APR:
0%
Period:
12 months
Purchase APR:
13.99% - 22.90% Variable
Annual Fee:
$0
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 10.74
 10.74
 21.65
APR:
  13.99% - 22.90% Variable
 13.99% Variable
 24.90% Variable
APR Floor:
 None
 None
 None
Intro Rate:
 0%
 0.00%
 N/A
Intro Period:
 12 months
 12 months
 N/A


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 30.99% Variable
Default/Penalty Margin:
 27.74
Default/Penalty APR Floor:
 None
Penalty/Default Trigger:
 The Penalty APR may be applied to your account if you make a late payment.

Credit Card Fee Information:


Annual Fee:
 $0
Foreign Transaction Fee:
 3%
Late Fee:
 Up to $35
Over-the-limit Fee:
 Up to $25
Balance Transfer Fee:
3% ($15 min. )  


Notes:

Rebate Description:
 Choose your own Rewards- 3% GM Vehicle Earnings on purchases toward an eligible, new Chevrolet, Buick, GMC or Cadillac vehicle, up to its Redemption Allowance; or 1% Cash Back in $100 increments.
Special Notes:
 Balance Transfer Fee: Either $10 or 3% of the amount of each transfer, whichever is greater, on each balance transfer that posts to your Account for the first 12 months. After that, either $15 or 3% of the amount of each transfer, whichever is greater. Cash Advance fee is either $15 or 3% of the amount of each transfer, whichever is greater. Grace Period: Due date is at least 23 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay your entire balance by the due date each month.
Credit Card More Information:

Card Issued By:
 HSBC Bank
General Correspondence Address:
One HSBC Center
Buffalo, NY 14203
Card Type:
 MasterCard
Card Class:
 Signature
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 
Maximum Credit Limit:
 N/A
Credit Limit Notes:
 

Credit Card Consumer Reviews:

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Apply online for Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn $150 back after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Everyday Cash Back: 6% at U.S. supermarkets on up to $6,000 per year in purchases (then 1%); 3% at U.S. gas stations; 1% other purchases. Terms and limitations apply.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. You can only earn cash back on eligible purchases.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms Apply.
Credit Needed:
Excellent, Good
Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn $100 back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive cash back in the form of statement credits.
  • Earn Cash Back: 3% at U.S. supermarkets on up to $6,000 per year in purchases, 2% at U.S. gas stations & select U.S. dept stores, 1% on other purchases. Terms and limitations apply.
  • Simple and straightforward: With the Blue Cash Everyday Card, you can start earning cash back.
  • No rotating reward categories. No enrollment required.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Cash back is earned only on eligible purchases.
  • No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.49% to 23.49%, based on your creditworthiness and other factors.
  • Terms and Conditions apply.
Credit Needed:
Excellent, Good