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  GM BuyPower Card®

GM BuyPower Card®

in Personal Credit Cards from Capital One

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GM BuyPower Card®

Claimed

in Personal Credit Cards from Capital One

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 14.65% - 24.65%
Balance Transfer APR  (Variable APR) 14.65% - 24.65%
Credit Score Range 700 - 850
Rewards Rates 2 - 5 on Every Purchase

GM BuyPower Card® Review

GM BuyPower Card® is a store cashback credit card issued by Capital One. 

This card is designed for people with good credit. The minimum credit score to apply is 700. If you're wondering whether GM BuyPower Card® is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of GM BuyPower Card®
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Access to a concierge.
  • Includes emergency support.
  • Extended warranty protection on purchases.
  • Free access to your credit score.
  • Purchase Protection.
  • Travel Accident Insurance.
  • Travel Assistance.
  • No foreign transaction fee.
  • Earn rewards on every purchase.
  • GM BuyPower Card® reports to multiple credit bureaus.
  • 5% Earnings on first $5,000 in purchases every year, then 2% unlimited Earnings on purchases after that.
  • Redeem Earnings to receive up to $250 in statement credits each year for in-dealership purchases of Certified Service, parts and accessories or GM extras. Earnings must be redeemed within 90 days of purchase.
  • Redeem them whenever you’re ready to purchase or lease a new GM vehicle*, or toward care and certain GM extras for your current ride.
  • Earn and redeem as much as you want toward a new GM vehicle. Plus, enjoy no annual fee.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Is there a GM BuyPower Card® cash back or rewards program?

    GM BuyPower Card® is a cashback card. This means you earn a percentage of your purchase as a cash reward. With GM BuyPower Card® you receive 2% cash back on every purchase. For example, if you buy a $1,000 laptop, you will receive $20 back in cash. However, you can earn up to 5% for purchases in a bonus category.

    GM BuyPower Card® Rewards
    Rewards rate (all purchases) 2%
    Max rewards rate 5%
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the GM BuyPower Card® benefits?

    GM BuyPower Card® provides the following benefits:

    • Free Credit Score
    • Auto Rental Collision Damage Waiver
    • Emergency Support
    • Extended Warranty Protection
    • Zero fraud liability
    • Travel Accident Insurance
    • Travel Assistance
    • ID Theft Protection
    • Reports to major credit bureaus

    What are the relevant APRs for GM BuyPower Card®?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. GM BuyPower Card® has lower than average purchase APRs.

    GM BuyPower Card® has a variable purchase APR that ranges from 14.65% up to 24.65%. The card has a variable balance transfer APR that ranges from 14.65% up to 24.65%. It also has a variable cash advance APR of 26.65% . Note that late payments are subject to an APR of 31.15% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

    Does GM BuyPower Card® have an introductory APR offer?

    No, GM BuyPower Card® does not come with an introductory APR offer for balance transfers.

    This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.

    GM BuyPower Card® Balance Transfers
    Description
    Balance Transfer APR 14.65% - 24.65%
    Introductory Rate N/A
    Intro APR period (months) N/A
    GM BuyPower Card® Rates & Terms
    Description
    Balance Computation average daily balance (including new transactions)
    Purchase APR 14.65% - 24.65%
    Credit Limit N/A
    Penalty APR 31.15%
    Cash Advance APR 26.65%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 12

    What are the GM BuyPower Card® fees?

    The following fees apply to GM BuyPower Card®:

    GM BuyPower Card® Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 0%
    Balance Transfer Fee 0%
    Returned Payment Fee up to $25
    Late Payment Fee up to $38

    Does GM BuyPower Card® have a foreign transaction fee?

    GM BuyPower Card® does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

    Does GM BuyPower Card® report your account activity to credit bureaus?

    GM BuyPower Card® reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for GM BuyPower Card®

    • Visit the GM BuyPower Card® website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    Eligible In-Store Purchases 2
    Every Purchase (Points) 5% Earnings on your first $5,000 in purchases every year, then 2% unlimited Earnings on purchases after that.
    Annual Fee $0
    Balance Transfer Fee % 0%
    Foreign Currency Transaction Fee 0%
    No Annual Fee  
    No Foreign Transaction Fee  
    No Interest Grace Period for Late Payment 25
    Cash Advance Fee (%) 3%
    Cash Advance Fee Minimum $10
    Late Fee Amount Up to $38
    Returned Payment Fee Up to $25
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Cashback
    • Store Card
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Car Rental Insurance  
    Credit Card Benefits
    • Auto Rental Collision Damage Waiver
    • Concierge
    • Emergency Support
    • Extended Warranty Protection
    • Fraud Liability
    • Free Credit Score
    • Identity Theft Protection
    • Purchase Protection
    • Travel Accident Insurance
    • Travel Assistance
    Emergency Support  
    Extended Warranty  
    Fraud Liability  
    Free FICO Score  
    Travel Insurance  
    Rewards Rates
    • 2 - 5 on Every Purchase
    Cash Advance APR (Variable APR) 26.65%
    Purchase APR (Variable APR) 14.65% - 24.65%
    Balance Computation average daily balance (including new transactions)
    Introductory Rate 0%
    Penalty APR 31.15%
    Balance Transfer APR (Variable APR) 14.65% - 24.65%

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