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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
Purchase APR  (Variable APR) 15.24% - 24.24%
Balance Transfer APR  (Variable APR) 15.24% - 24.24%
Credit Score Range 700 - 850
Annual Fee $0

GM Extended Family Card Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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 15.24% up to 24.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your purchases, but you don't have to pay an annual fee for the privilege.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of GM Extended Family Card
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.
  • Identity Theft Protection.
  • 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 include many credit card benefits.
GM Extended Family Card FAQ

Does GM Extended Family Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash.

What are the GM Extended Family Card benefits?

It provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for GM Extended Family Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 15.24% up to 24.24%. The card has a variable balance transfer APR that ranges from 15.24% up to 24.24%. It also has a variable cash advance APR of 24.90% .

Does GM Extended Family Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does GM Extended Family Card have an intro APR offer on new purchases?

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

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

What are the fees for GM Extended Family Card?

The following fees apply:

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

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

What is the customer service phone number for GM Extended Family Card?

The GM Extended Family Card customer service number is (877) 383-4802.

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

Yes, 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 may 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 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
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
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
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
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 24.90%
Balance Computation average daily balance (including new transactions).
Credit Limit Starting at $500
Purchase APR (Variable APR) 15.24% - 24.24%
Balance Transfer APR (Variable APR) 15.24% - 24.24%
Balance Transfer Fee Minimum $0
Balance Transfer Fee % 0%
Card Type
  • Cashback
  • Store Card
Card Network Mastercard

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