The best loyalty card on the market! Turn your everyday spending into a new GM Vehicle! And who doesn't like saving money--just ask our team at Dean Cooley GM how they can help!

General Motors is the only automotive company to offer customers a reward-earning card program. Our cards are unique, market-leading and award winning with many short term and long term benefits. We have to different cards available so check out some of the features and benefits below!

Scotiabank GM Visa Classic

  • $0 Annual Fee
  • $500 Minimum Credit Limit
  • 5% in GM Earnings on the first $5,000 spent annually
  • 2% in GM Earnings annually thereafter
  • Option to purchase extended security warranty
  • No Earnings Cap
  • No Redemption Limit
  • $1 in GM Earnings = $1 towards the purchase or lease of a new GM Vehicle
  • Ability to apply for a temporary shopping pass (TSP) to allow for immediate purchases
  • 90-day Deferred Payment offer

Scotiabank GM Visa Infinite

  • $79 Annual Fee
  • $5,000 Minimum Credit Limit
  • 5% in GM Earnings on the first $10,000 spent annually
  • 2% in GM Earnings after that
  • Insurance: Travel Emergency Medical, Trip Interruption, Flight Delay, Delayed and Lost Baggage, Up to $500K Common Carrier Travel Accident, Rental Car Collision/Loss Damage, Purchase Security, Extended Warranty
  • Complimentary 24/7 Visa Infinite concierge service and special infinite offers at scotiainfinite.com
  • No Earnings Cap
  • No Redemption Limit
  • $1 in GM Earnings = $1 towards the purchase or lease of a new GM Vehicle
  • Ability to apply for a temporary shopping pass (TSP) to allow for immediate purchases
  • 90-day Deferred Payment offer

Want to know how much you can earn on everyday purchases?


GM Visa Classic

GM Visa Infinite
Annual PurchasesYear 1Year 2Year 3Year 1Year 2Year 3
$5,000$250$750$1,250$250$750$1,250
$10,000$350$1,050$1,750$500$1,500$2,500
$20,000$550$1,650$2,750$700$2,100$3,500
$30,000$750$2,250$3,750$900$2,700$4,500
$50,000$1,150$3,450$5,750$1,300$3,900$6,500
$100,000$2,150$6,450$10,750$2,300$6,900$11,500

How do you apply?

  • Stop by Dean Cooley GM at 1600 Main Street South or call us at 1.204.638.4026 or 1.800.442.0402 and ask to speak to someone in our finance department
  • Please have with you photo identification (driver's license), proof of income and an email address
  • Verification of application is sent via email so an email address is required
  • Person applying must be present as we require a signature of consent

Frequently Ask Questions

What Can I Used My Earnings For?

Earnings may be applied toward the Total Purchase Price or lease down payment of any eligible new Chevrolet, Buick, GMC, or Cadillac. Fleet sales and commercial leases are excluded. The “Total Purchase Price” consists of the vehicle price (up to the Manufacturer’s Suggested Retail Price), freight and PDI, air tax, and applicable sales taxes. In accordance with federal and provincial tax legislation, GST, PST, QST, HST and any other applicable taxes are calculated and payable on the full amount of the purchase price before any reduction for redeemed rewards. The “Total Purchase Price” excludes costs associated with licensing, registration, insurance, dealer fees, accessories, additional options, extended warranties, maintenance or service plans and other services such as OnStar and SiriusXM. The customer redeeming the Earnings is solely responsible for the excluded fees and costs and for any taxes, fees, levies or other charges imposed by or with the authority of any government or governmental authority in respect to any rewards or benefit. Your available Earnings may not be redeemed for cash or any cash equivalent.

Can I accrue GM Earnings on Balance Transfers?

No. Earnings will be calculated based on the annual Net Purchase total. “Net Purchases” are purchases of eligible goods and services that are charged to your GM Card Account less any returns or other credits. Net Purchases do not include, and Earnings are not awarded for, cash advances, Scotia® Credit Card Cheques, returns, payments, annual membership or card fees, casinos and gambling, interest charges or service transaction charges. Credits for returns and adjustments will reduce or cancel your Earnings by the amounts originally charged to the Card and will be reflected in the Earnings summary.

Do My Earnings Expire?

No. However, if you cancel your credit card, your credit privileges are revoked or your account is closed, your GM Earnings must be redeemed within 90 days or they will be forfeited. If your account is not in good standing, GM Earnings are not eligible for redemption. Please refer to the GM Card Earnings Program Terms and Conditions for details.

Can I Combine My Earnings with another person or card?

Your GM Card Earnings may not be pooled with any other GM Card Earnings Account. When redeeming Earnings toward the Total Purchase Price or lease down payment of any eligible new GM vehicle, only Earnings associated with one GM Card Earnings Account may be used for each vehicle. GM Canada is not responsible, and bears no liability, for disagreements between participants concerning the use of Earnings.

Can I Transfer My Earnings to My Family or Friends?

You may transfer all or part of your Earnings to any supplementary Cardholder on your GM Card Account or the following immediate family members residing at the same address for the immediate purchase or lease of an eligible new Chevrolet, Buick, GMC or Cadillac: parents, grandparents, spouse, siblings, grandchildren, and children (step or in-laws). The supplementary Cardholder or immediate family member must not have, at the time of transfer, a GM Card Earnings Account. You may be required to provide proof of relationship. To transfer your Earnings to a supplementary Cardholder or an immediate family member, you must call the GM Card Reward Centre to authorize the transfer and provide the required information.

Can I Redeem my Earnings for Cash?

No, GM Earnings can only be redeemed towards the purchase price of any new eligible Chevrolet, Buick, GMC or Cadillac.

Can I used my Earnings towards a used car?

No, GM Earnings can only be used towards the purchase or lease of a new eligible Chevrolet, Buick, GMC, or Cadillac.

What is the interest rate?

19.99% annual interest rates on purchases and 22.99% annual interest rate on cash advances and balance transfers.

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