Card Review, the GM Flexible Rewards Card pays a still-generous 3 percent rebate on spending that can be used toward the purchase or lease of a new GM vehicle.
The program features retailers such as Bloomingdales, Walmart and Apple, which can earn cash back on their purchases.There are probably a slew of people out there who have cards with points on all of them, says John Ulzheimer, a nationally recognized expert on credit reporting, credit scoring and identity theft.Points are redeemed toward the purchase of a new vehicle and there is no redemption limit.Return check or return payment fee:.Fees, no annual fee.Other issuers offer similar bonuses.Its important to always pay off your entire balance every month.GM Flexible Earnings Card from hsbc Bank is, as the name says, "flexible." In fact, GM has "totally re-engineered" its industry-setting rewards card, introduced back in 1992.In some instances, consumers pick the spending category receiving the rewards or the rewards are given to the highest spending category.But consumers dont always get the most for their money.
Ascent/PKS Media Inc/Getty Images, rewards credit cards give you the chance to earn cash back on your purchases or perks like airline miles or free meals at restaurants.
GM fans interested in saving money on their next vehicle purchase.
Rewards 3 percent rebate on spending good towards purchase or lease of a GM vehicle, or 1 percent cash back.
And they dont even realize.That way, youll get the full value without the risk of losing them.Nevertheless, this card will likely appeal to you only if you're a diehard GM fan.Know the rules, rewards credit cards come in many flavors.Sometimes you will need to enroll in these quarterly cash-back specials, so be on the lookout for special mailings or online alerts to register.If you keep a balance, youre really funding your own rewards program, he says.People who keep revolving balances arent getting the most out of their rewards and are usually paying a higher interest rate.The existing GM Card from Capital One has about 4 million users.For example, issuers will bump up the rate to 5 percent on summer gas purchases because its peak driving season.

These rewards programs also are subject to change at any time, says Linda Sherry, director of national priorities at Consumer Action.
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