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  GM Extended Family Card

GM Extended Family Card

in Personal Credit Cards from Capital One

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GM Extended Family Card

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in Personal Credit Cards from Capital One

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Highlights
Highlights
Purchase APR  (Variable APR) 13.4% - 21.4%
Balance Transfer APR  (Variable APR) 13.4% - 21.4%
Credit Score Range 700 - 850
Annual Fee $0

GM Extended Family Card Review

GM Extended Family Card is a store cashback credit card issued by Capital One. If you're wondering whether GM Extended Family Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Earn 1% cash back on 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 Extended Family Card has a variable purchase APR that ranges from 13.4% up to 21.4%.
  • 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.
  • Good or better credit required. You should probably try with another card if your credit score is below 700.
GM Extended Family Card Pros & Cons
The Good The Bad
  • 1% Earnings on all purchases or 1% cash back option ($50 increments)
  • Redeem Earnings with no limits toward the purchase of lease of a new GM vehicle
  • Can combine earnings with GM Employee or Supplier Discount toward a new vehicle and combine earnings with current eligible GM vehicle offers and Incentives
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Earn rewards on every purchase.
  • GM Extended Family Card reports to multiple credit bureaus.
  • Only available for GM Employees & Suppliers
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Does not include many credit card rewards.
GM Extended Family Card FAQ

Is there a GM Extended Family Card cash back or rewards program?

No, GM Extended Family Card does not offer a rewards program. GM Extended Family Card is a cashback card. This means you earn a percentage of your purchase as a cash reward.

What are the relevant APRs for GM Extended Family 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 Extended Family Card has lower than average purchase APRs.

GM Extended Family Card has a variable purchase APR that ranges from 13.4% up to 21.4%. The card has a variable balance transfer APR that ranges from 13.4% up to 21.4%. 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 Extended Family Card have an introductory APR offer on balance transfers?

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

Does GM Extended Family 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.

GM Extended Family Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 12

What are the fees for GM Extended Family Card?

The following fees apply to GM Extended Family Card:

GM Extended Family Card Fees
Fees Amount
Annual Fee $0
Returned Payment Fee up to $25
Late Payment Fee up to $38

Does GM Extended Family Card report your account activity to credit bureaus?

GM Extended Family 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 Extended Family Card

  • Visit the GM Extended Family 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  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

Every Purchase (Points) 1% Earnings on all purchases or 1% cash back option ($50 increments).
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
No Annual Fee  
Annual Fee $0
Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Returned Payment Fee Up to $25
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Rates Every Purchase
Rewards Type Cash Back
Cash Advance APR (Variable APR) 26.4%
Balance Computation average daily balance (including new transactions).
Credit Limit Up to $0
Penalty APR (Variable APR) 30.9%
Purchase APR (Variable APR) 13.4% - 21.4%
Balance Transfer APR (Variable APR) 13.4% - 21.4%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%

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