I used the GM Card from Household and the Ford Card from Citibank, both about 10 years ago. Back then a Gold GM card could accumulate $7000 total with additional bonuses not limited to the caps ($1000/yr for 7 years) while the regular card was $500/yr for 7 years. The card when used at Marriott properties, Hertz? and other partners would get a 10% rebate, so it was my travel and everything card of choice. Ford's card was limited to $3500 total ($700/yr for 5 years IIRC) but Ford discovered too many rebate users would have bought a Ford anyway, so they killed their program and rolled it into the Driver's Edge card. GM reduced their rebate program to cap at $3500. Per the link gregorygrady has, it appears the cap is $1000 on the more desirable GM products and up to $3500 on the slow sellers. I'm surprised gregorygrady has $6000 worth of rebates (maybe two cards?). Another problem I had was that it was a rolling rebate program...you could rebate only 7 years worth, which meant using the card for an 8th year would cause one to lose the 1st year of earned rebate. It forced me to buy both a new Ford and Chevy on the same day in November 1999. Since I didn't want or need new vehicles then, I traded the Ford in with 7 miles on it for the Chevy Silverado, which I sold 3 years later after having hardly driven it. I would only recommend the GM card if you were planning on buying a GM anyway. Although the 5% sounds like a good deal and yes, it is after all other incentives and rebates, you can get 5% from other bankcards for restaurant charges or gasoline, among other things which I regularly need. IMHO, I believe another credit-card reckoning day is here. It used to be that the 2% value of ff miles made airline affinity cards the next logical choice after the auto rebate cards but I'm finding the newer 2% to 5% cash rebate cards for selective purchases (with no annual fee) to be my preferred card of choice. Examples are the Costco Amex and Citi Platinum Select. I plan on dropping my Citi AA, USbank NW and United cards. I've already dropped my BoA US card. I'll hang onto DL Skymiles as long as the double miles are available and Diners will be my "topping off" card, as long as they offer annual fee incentives.