GM, AT&T; Credit Cards Lead Ratings

General Motors Corp.’s GM Card and AT&T; Corp.’s Universal Card won the top ratings in a J.D. Powers & Associates study of credit card holder satisfaction.

The GM Card, offered through Household International Inc., got the highest rating among credit cards that offer rewards for frequent usage. The card, which gives users discounts on GM cars, scored a 110 rating, compared with the industry average of 105.

J.D. Powers, an Agoura Hills-based marketing information firm, said the AT&T; Universal Card was the highest-rated among credit cards that don’t offer rewards. The Universal Card, which doubles as a calling card, got a 108 rating, compared with the industry average of 98.

Rated the worst among cards that offer rewards was the Shell Chemical Card, offered by Chase Manhattan Bank. Worst among the cards that don’t offer rewards, called basic cards, was the card offered by Associates National.