Can You Use GM Points From a Credit Card on a Used Vehicle?

General Motors offers its credit card holders a fitting reward for purchasing with their card: earnings toward the purchase or lease of a car. However, the type of vehicle you can apply your earnings to is limited by rules and regulations.

Eligible Vehicles

The points you get from purchases must be used toward the purchase of an "eligible, new GM vehicle." According to the GM Card Program Rules, General Motors defines a new vehicle as a model from the current, future or past two years. Eligible models must be of the GM brand: Chevrolet, Buick, Pontiac, GMC, Cadillac and Saturn.

Ineligible Vehicles

Earned points can't be used toward GM Certified Used, Fleet or GM-owned vehicles. They also can't be used for vehicles from auctions or special events. Vehicles that are bought under GM employee and supplier programs are also ineligible.

Dealer Verification

Authorized GM dealers can verify whether or not a particular vehicle qualifies as eligible. Not all cases of ineligibility are strictly defined. Asking a qualified GM dealer to verify eligibility may be necessary.