The story of a Cadillac Escalade-V owner is going viral after a GM Rewards loophole allowed them to gather enough Cadillac Rewards Points to pay off the vehicle’s remaining $59,370 GM Financial auto loan balance. According to a Resell Calendar report, the automaker has since shut down the mechanism that made this all possible.
How’d the owner do it, you ask? Well, they managed to take advantage of a GM Rewards promotion that credited account holders with points for completing simple actions, like watching videos. An oversight of the program allowed unrestricted point transfers between accounts. After realizing this, the owner in question must’ve made multiple accounts, accumulated tons of free points rapidly – a total of 5,937,000 to be exact – and then consolidated all of the points in an account linked to the GM Financial account associated with the auto loan used to pay for the supercharged SUV.
Folks reading this will likely have one of three reactions: “damn, I missed out,” “wow, good for that guy,” or “that low-life cheater must’ve committed fraud.” Although the owner’s efforts currently seem to have paid off, there’s still a chance that Cadillac’s parent company, General Motors, moves to rescind the points, and thereby nullify the payment.
Section D of part 2 of the GM Rewards Program Terms and Conditions, which have been effective as of May 20, 2025, states:
“If you have conducted any fraudulent activity, or any activity that, in GM’s sole discretion, undermines the integrity of the Program (such as by exploiting or manipulating the Program, these Terms, or other Program requirements or rules to gain benefits in an excessive, unfair, or unintended way), GM: (i) may rescind any Points earned or redeemed in connection with such activity; (ii) may prohibit you from continuing to participate in the Program and/or close your Member Account in accordance with Section 2(E), below; and (iii) reserves the right to take any legal action GM deems appropriate.”
We’re curious to see how this unfolds. Based on the language cited in the terms and conditions, it would seem GM is well within its rights if it does reverse the points and payment.
What do you think? Did this Escalade-V owner get one over on Cadillac, or will it all backfire? Give us your thoughts in the comments below.
Bob
This person was “trying” to twist any information available into his advantage. Regardless of the “way” the language reads, he knew that he was being deceptive, and he should be responsible for the debt that he originally agreed to repay. I was taught, “there’s no such thing as a free lunch”! That instilled a work ethic in me that “if you want something, you must work for it!”
Rick
BS he made it work for him (Person) instead of Mary Barra who makes $22,000,000.00+ as CEO of General Motors!
Steve
Good for that guy (Person) for doing that, the sad part is that he (Person) purchased a EV Cadilack SUV Escalade-V. He (Person) should have used the GM Rewards points for a C8 Chevrolet Corvette Down Payment on a Note!