What happens to My GM Rewards points when someone dies

“All accumulated Points automatically expire upon the death of the Member or cancellation of a Member Account.”¹

GM closes a Member Account upon the death of the Member. On any account closure, accumulated points are forfeited, and once forfeited they cannot be reinstated.¹

Points "have no cash or other monetary value... are not your property, and have no property value," so there is no balance the estate can claim as a matter of right.¹

Points cannot be redeemed for cash or currency, and GM is under no obligation to compensate or pay cash for any forfeited or unused points.¹

Section 3(K) provides that points may not be assigned, transferred, traded or pledged to any third party except as expressly authorized by GM, and cannot be transferred by operation of law, such as by bankruptcy or in connection with a divorce.¹

A survivor can write to GM asking it to exercise its discretion and apply its member-to-member transfer mechanism, or reinstate the points, notwithstanding the forfeiture clause. GM is under no obligation to agree.¹

Unredeemed points expire seven years from the member's last earn or redemption activity, and Section 2(E)(iii) lets GM close an account that has gone longer than seven years without an earn or a redemption.¹

Section 2(E)(v) provides that a Member Account is closed by calling the GM Rewards Member Support Center, and the caller may need to provide the Member number assigned at enrollment or other information to verify identity.¹

The GM Rewards Mastercard, a separate card account with the bank's own death-notification process^{2, 3}

Vehicle financing accounts, which transfer or terminate under their own terms rather than through the rewards program¹