GM BuyPower Card®
in Personal Credit Cards from Capital One
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| Purchase APR (Variable APR) | 14.4% - 24.4% |
| Balance Transfer APR (Variable APR) | 14.4% - 24.4% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
GM BuyPower Card® Review
GM BuyPower Card® is a store cashback credit card issued by Capital One. 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.
- Generous reward rate. You will get a cashback rewards rate of up to 5%.
- Earn 5% cash back on everyday purchases. This is higher than the average reward rate (1% cash back) for everyday purchases.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. GM BuyPower Card® has a variable purchase APR that ranges from 14.4% up to 24.4%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- $0 foreign transaction fee. This card does not charge foreign transaction fees, which makes a great credit card to carry with you when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, purchase protection, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
| The Good | The Bad |
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Is there a GM BuyPower Card® cash back or rewards program?
No, GM BuyPower Card® does not offer a 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.
What are the GM BuyPower Card® benefits?
GM BuyPower Card® provides the following benefits:
- 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 14.4% up to 24.4%. The card has a variable balance transfer APR that ranges from 14.4% up to 24.4%. It also has a variable cash advance APR of 26.4% . Note that late payments are subject to an APR of 30.9% 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 on balance transfers?
No, GM BuyPower Card® does not come with an introductory APR offer for balance transfers.Does GM BuyPower Card® have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 12 |
What are the fees for GM BuyPower Card®?
The following fees apply to GM BuyPower Card®:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction 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.
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.
Contact
- Headquarters
-
1680 Capital One Drive
McLean, VA 22102 - Visit Site
Other Services by Capital One
Availability
- 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. |
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