BuyPower Card from Capital One® - Get The Card That Helps You Get The Car

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419 reviews   Write a Review
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BuyPower Card from Capital One® - Get The Card That Helps You Get The Car’s Rewards

Bonus
None
Base Earn
2% Earnings
Max Earn
5% Earnings
Earn / Redeem Limit
No
  • 5% Earnings on your first $5,000 in purchases every year
  • Unlimited 2% Earnings on every purchase after that
  • Redeem Earnings toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle
  • Save even more when you combine your available Earnings with most current GM offers and incentives

BuyPower Card from Capital One® - Get The Card That Helps You Get The Car’s Key APRs & Fees

Intro Rate on Purchases
0% for 12 months
Intro Rate on Transfers
Not Offered
Regular Rate
11.9% - 19.9% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER
    FEE
    None

BuyPower Card from Capital One® - Get The Card That Helps You Get The Car’s Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT
    FEE  
    None
  • MAX PENALTY APR   29.4% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    24.9% (V)
  • CASH ADVANCE
    FEE
    3% (min $10)
  • FOREIGN
    TRANSACTION FEE  
    None
  • SMART CHIP   No
  • No annual fee, no redemption limits, no Earnings expiration, no foreign transaction fees
  • 0% intro APR on purchases for 12 months, then an 11.9% – 19.9% variable APR on purchases will apply
Apply Now
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Customer Questions and Answers

Don't see what you're looking for? Submit your question about BuyPower Card from Capital One® - Get The Card That Helps You Get The Car to our community.

I just cannot understand why it is impossible to sign in to pay my bill. I am to the point where I will just cancel the card to avoid this frustration!
Reply

Photo of Card H.
Jan 16, 2013
Hi Joanne, your best bet is to give their customer care center a call at 1-800-771-7363. It might be a hassle to have to deal with them by phone, but you don't want to miss a payment!
1 Votes 2 -1

Customer Reviews

Share your insights and review the BuyPower Card from Capital One® - Get The Card That Helps You Get The Car.

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3.7 out of 5

419 reviews
22%
43%
20%
9%
6%
Photo of Jane G.
Jun 9, 2015
I love the idea of the BuyPower card! If you're spending the money anyway, why not earn points towards a new vehicle in the process? I would only ever apply for a card with no annual fee (this one fits the bill) and the 0% for 12 months sweetens the deal. I also really like that the earnings do not expire-expiration time is in the small print with other similar cards. I'm going to apply!
Photo of Patrick R.
May 7, 2015
I have been a GM Card holder for the past 6 years and have really liked it. I really like the rewards, receiving money towards the purchase of a new GM vehicle. I have never been late with a payment or not payed my payment in full so I can not say first hand much about late fees and charges.
When I have called needing assistance everyone was very helpful.
The only thing I would like to see happen is allow the rewards to be used on other items at the dealer, not just the purchase of a new car. For example, be able to use your rewards for a service more
Photo of Abigail S.
Apr 22, 2015
This credit card looks great! I think sometimes the biggest fear for people about credit cards is how much money they will lose on it if they are not able to pay their bill. This credit card however looks really good! The maximum late fee is only $35 and there is a 25 day grace period! Also, there is no overlimit fee!
Photo of Selena E.
Apr 3, 2015
There are three things that stand out to me as really great to good about the BuyPower card from Capital One. There is no annual fee, I really dislike annual fees and this card doesn't have one. Also for the great, there is no foreign transaction fee. This is a major benefit because foreign fees on cc are usually not discovered until you need to use them in another country and then you have a big problem. The good is the APR is not as high as other like cards. The late fee and grace period is comparable to other cards so nothing to whoop about there. Over all, this more
Photo of Kelly D.
Apr 3, 2015
If you’re looking to save up for a new Chevy, Buick, GMC, or Cadillac, this could be a good way to get started. The 5% earnings on the first $5000 is one of the higher rates I’ve seen available on cards and no annual fee is a nice touch. The APR, fees, and other perks, are all offers in line with other cards targeted to people with good/excellent credit and don’t stand out as anything overly special. I’ve had good experiences with Capitol One for other credit cards and would definitely consider this one if I was in the market for a GM car. more
Photo of David A.
Mar 19, 2015
The card sounds like other cads I have seen except for the 0% Intro rate for 12 months. It would give you plenty of time to pay off your card over that 12 months. If you are to pay your card off every month you will not end up paying very much interest on your account. Also try to avoid having to pay any late fees because then your just giving away your money.
Photo of Anna-Kristina D.
Mar 4, 2015
I've been very impressed with this card so far. The 0% intro interest for the first year is amazing. I love having the ability to pay this card off quickly without all the normal fees. There's no limit to the amount of rewards you can accrue and I've found that customer service has been wonderful when I've need them. Overall, I am very glad that I’ve decided to add this card. And just a tip the 12 months no interest makes it a great card to help you build credit, while still being able to pay off your debt afterwards.
Photo of Alex A.
Feb 19, 2015
Personally, I think this is a pretty awesome card with a very unique perk. I have other cards with rewards that I rarely use... items change and the items I DO want cost pretty good amount of points for something that I could just go and buy. With this card, No annual fee, No foreign transaction fees, earning never expire AND you have NO LIMIT to the earning you can redeem!!! In short, you could walk out of the dealership with a new ride for NOTHING! Far fetched, yes, but can be done! A wise man once said to me, "Where one person see no or little value, there is more
Photo of Quincy L.
Feb 17, 2015
I honestly do not think the rewards for the BuyPower Card from Capital One are beneficial. They offer 5% earnings on the first $5,000 in purchases. If you rely on your credit card for most of your purchases (like I do) then you will quickly reach this amount and be reduced to the 2% rate. However, if you don’t plan on spending this much money then it will be beneficial for you. My Current Chase Freedom card offers 5% cash back (with different categories that change every quarter) but there is no purchase limit.
Photo of Malik S.
Mar 22, 2015
On the freedom you can only earn 5% on $1,500 per revolving category ( quarterly ).
Photo of Jess S.
Jan 30, 2015
I applied for the GM BuyPower credit card when i was in the market for a new Chevy, and racked up some great rewards when it was time to buy my car. I was able to get 5% rewards on most of my purchases and really helped me out... plus it's a sleek looking card! The terms are reasonable and I was able to use it abroad without any international usage fees. Customer service is very helpful and the one time I missed my payment they have a lenient grace period in case of these sorts of accidents. I will continue to use even now that I purchased my vehicle.
Photo of Olga Z.
Jan 26, 2015
This GM credit card is good if you are on the market for a new car. The unlimited rewards are great and no foreign transaction fees are even better because I like to travel a lot. But the penalties are kind of high so people who are not planing on buy a new car should not get it. I am looking into a purchase a new vehicle pretty soon so I definitely interested in the GM card plus no foreign transaction fee that is just great. The only problem it has that where is no balance transfer and APR a little high but for vehicle purchase that should be good.
Photo of John F.
Jan 5, 2015
I am impressed by the terms of this card. I will be purchasing a car soon and this will be great for me. Right now I primarily use a PNC points card. That is good since it is more flexible but the points systems with bonuses can get confusing sometimes. I like the straight up percentages for the Buypower card. Furthermore, no annual fee and no foreign transaction fees are just what i want before i consider any credit card.
Photo of Pro S.
Jan 5, 2015
This is a great credit card. Not only do you have the chance to get serious amounts of earnings, 5% on your first $5000 spend in a year at 0% introductory interest rate, but you also have the opportunity to use those earnings on top of a dealer and manufacturer discount on a GM vehicle.

The best of all is that there is no annual fee, and no charge on balance transfers from other credit cards or lines of credit.
The BuyPower Card is a serious contender.
Photo of Robert H.
Nov 28, 2014
The BuyPower Card definitely has some unique ways of offering incentives. Using the card if you are in the market for a new car seems safe and quickly attainable. If you factor in the rewards program of 2%-5% back on purchases, this card can be seen equitable to a Mastercard or Visa. A highly attractive attribute would also be the leniency the company offers to members in regards to the grace period before accruing interest; 25 days is ample time to get any issues with an outstanding balance resolved before you are penalized. Finally, the fact that there are no foreign transaction fees and no interest for the first year more
Photo of Cheff N.
Nov 19, 2014
After taking some time to look at the BuyPower Card from Capital One, I do think that the ability to save toward a vehicle is creative, unique, pretty cool!
Photo of Jerry L.
Oct 30, 2014
This BuyPower Card is honestly pretty bad. A lot of the fees for being late are outrageous and the APR is not very great compared to my MasterCard Gold.
Photo of Armeni A.
Oct 15, 2014
That's not good card!!!!!!!!!!!!
I did payment on time and never late,I have 720 score and they closed account because after that I applied for 1 card. thay said that I opened new account but after 3 months .Stupid card!!!!!!!!!!
Photo of Michael S.
Oct 13, 2014
If you are interested in purchasing or leasing a GM vehicle, the BuyPower card is great! As opposed to other cards, such as American Express, this card has no annual fee, which is awesome. The rewards rate of between 2-5% back on every purchase makes saving up for a new car quick and easy. The only negative is that there are no offers for balance transfers. Overall, though, this is an excellent credit card.
Photo of Jenny L.
Sep 25, 2014
The unlimited rewards are great. And especially the no annual fee. 2% on purchases will get me to a new car faster.
Photo of Eeddeek D.
Aug 29, 2014
card sucks no balance transfers.
Photo of Rebecca P.
Aug 25, 2014
I think that this card is over well a decent credit card. I was surprised about how one may save up to help them buy a new vehicle. I think that the values are well done. I like the fact that there are no fees on foreign transactions. I believe the APR is decent, I have seen higher before. I also thought it was interesting to see that there is a 5% earning on the first $5000 every year you have the card.
Photo of Scot W.
Aug 25, 2014
The BuyPower Card from Capital One is a good value if you enjoy earning rewards. Particularly, this card is useful if you want to purchase a GM vehicle. If not, you may be better off looking elsewhere as there are better values for basic rewards based on your purchases that can be spent on whatever you please
Photo of Victor P.
Aug 8, 2014
ONLY get this car if you are planning to buy a GM car, as the enticing 5% you earn on the first $5,000 you charge (and the 2% after that) are ONLY redeemable toward the purchase or lease of a GM vehicle. Read the fine print.
Photo of Denton L.
Jul 22, 2014
This Capital One card company SUCKS! I applied for this card got approved only to find out, while talking with there credit analyst that hit 3 of my credit report, that's 3 hard hits for one card. I have cards from many of the top rated financial institutions and they only did 1 hard inquiry and if need they would do soft hits to review that my personal information was accurate on the other reports. BE AWARE OF THIS COMPANY AND ASKED QUESTIONS BEFORE APPLYING, because they would be the first to deny you because you have too many inquires on your report.
Photo of Victor D.
Jul 9, 2014
The Buypower card is great an amazing rewards system with a base of two percent on everything and a max of five percent. There is no limit on your rewards either and they never expire or go away. With a pretty low apr and no annual fees it is a card that needs to be had. Also a low cash advance fee and almost a month long grace period if you for got to pay your monthly bill on time which is something now a days that is hard to come by in terms of grace on your bills
Photo of Domenic A.
Jun 20, 2014
The BuyPower Card from Capital One is all in all a great card. I really like the 0% interest rate for the first year, especially in conjunction with no balance transfer fee! Great way to hold off some interest payments if necessary or finance a purchase with no interest for a while.

If you travel a lot, this card is great as there are no foreign transaction fees at all! No more small fees every time you make a purchase while abroad.

Having no limit on earnings from the card is not common as well. Earning 5% for the first $5000 is great, with 2% afterwards as much as you more
Photo of Kanisha B.
Jun 2, 2014
I like the fact that you get 0% interest for 12 months .That means that if you have a relatively high purchase you wont have any interest in that time frame. Therefore, you will be able to pay your balance down quicker. The balance transfer option is not offered that of which would be ideal for my situation .I currently have Discover and interest rate is 23.99 % , that is high ! Another thing I like about the GM card is that you can go over the limit and there is no fee. Not that I plan on doing so but if something major were to occur I guess that would be helpful.
Photo of Dexter M.
May 15, 2014
The 5% earnings on purchases up to $5000 is the real incentive for the BuyPower Capital One Card. A new car purchase is starting to creep into my thoughts and those earnings would certainly go a long way towards making that happen. The APRs and Fees for this card are perfectly competitive, and there's no annual fee, which I've unfortunately encountered on similar rewards cards (Amex Hilton). Oh, and NO FOREIGN TRANSACTION FEES. I can't tell you how much I appreciate that since I spend a significant amount of time across the border for travel. Those fees can be a killer on some cards.
Photo of Corey B.
Apr 8, 2014
I have used the GM Card from Capital One before and had good experiences with it. The ability to earn points as I purchase that can be used towards GM offers is a great benefit. There's no annual fee, or foreign transaction fees, so there's not much to complain about. Although, an intro rate on purchases would be nice and some bonus points at the beginning would help sell the card.
Photo of Pi R.
Apr 4, 2014
The GM Card from Capital One is a great value, especially compared to my old Capital One Classic Platinum card, which had a $39 annual fee. With this one there's no annual fee, and 2 to 5 percent earnings on purchases will actually save you real money on a car purchase over the years, as long as you don't carry a balance. No interest in the first year is awesome. My Classic Platinum was easy to get with shaky credit, but for this card you will need very good credit to qualify.
Photo of Sam W.
Mar 27, 2014
If you are looking for a card that offers generous earnings and does not charge an annual fee, then the GM CARD from Capital One might just be the card for you. Not only am I impressed with the strong earnings this card provides, the 0 percent introductory rate on purchases is also a huge selling point. You can even transfer a balance free of charge, unlike many other cards. All in all, a very competitive card.
Photo of Kasi G.
Mar 20, 2014
No annual fee is great and 5% earnings on all purchases is a decent amount on this GM Card from Capital One. The interest rate seems reasonable. I am not in the market for a new vehicle otherwise this might be a good option. It might be better if you could redeem your rewards for points instead. I would consider this card if I was interested in purchasing a GM product, but it seems like it would wear out its value immediately after buying a car.
Photo of Lulu C.
Mar 10, 2014
It's good that there's no annual fee and a reasonable apr for the GM Credit Card, esp the introductory 12 months; however, I like the rewards on my Chase Rewards card much better. The penalty APR is also quite harsh which steers me away from it.
Photo of Steven C.
Feb 21, 2014
I like that the GM Credit Cards’ regular rate is a max of 19.9%, with a 0% 12month intro period. Though I’m not too keen on the 29.4% penalty Apr. This card is a good card in my opinion for good or average credit people. This one is slightly better than the capital one quicksilver cash rewards card that I’ve been looking into of late, having 1% less of a max APR at 19.9 where the capital one card has a 20.9 max.
Photo of Casey C.
Feb 7, 2014
I really like how there is no start up fee for the card, as well as no annual fee for the card. Having no extra fees really does appeal to me. I really dislike how you do not earn points and instead you earn percentages. This seems like a cheap way of doing things, and it seems like it would be difficult to even earn any rewards with the percentages. I also dislike how you have to have excellent credit to get this card. It would really have been nice to just be able to have fair credit in order to be able to get it. All in all, I more
Photo of Frank O.
Dec 11, 2013
The interest rate for this rewards card is quite low, and that always appeals to me. I don't like that you earn percentages rather than points, it makes it harder to keep track. All in all this rewards card looks mediocre. It's not one that I would use.
Photo of Chelsea M.
Dec 8, 2013
I love love love The GM Card from Capital One. It has enabled me to earn reward for a car that would have otherwise been out of my league, it took me a few years but the great thing is the reward you earn never expire. The 5% you earn initially does drop to 2% but its still a great reward card compared to others such as the Capital One QuicksilverOne program. And with great models from GM such as Cadillac, Buick or Chevrolet you cant go wrong here.
Photo of Nick D.
Dec 5, 2013
The GM Card from Capital One is a great card for anyone looking into buying a new car. No Annual fee and 0 interest rate for 12 months is great. The APR is lower compare to other alike cards which is an added bonus. The card also comes with a bunch of benefits called earnings. Your earnings never expire which is great. After your initial 5% it drops to 2% which is still pretty great compared to other cards. Highly recommend.
Photo of Connie C.
Nov 25, 2013
The GM Card from Capital One is amazing if you’re going to be getting a new car. Not only does this card have great interest rates compared to other cards in its class such as the Kroger Rewards Visa, but you also get a 0% intro rate for 12 months which is convenient when you want to make a large purchase. The base reward is 2% which can be used towards the purchase of a vehicle. The rewards also never expire so you can save them for years to help make that purchase. If that wasn’t enough, there’s also no balance transfer fee so you can move your higher interest more
Photo of Eric M.
Nov 21, 2013
I guess the GM-Card seems like a good idea if you are in the market to buy an American car. The perks are that the card has no annual fee, and it gains rewards that can be redeemed for a GM car. I think the issue arises in it's longevity, and practicality. For example, it doesn't state how many rewards dollars need to be spent for a card holder to receive a vehicle. Also, what does a card holder do after they receive a vehicle, do they keep using the card, Probably not as who needs 2 cars. Overall, it has a low APR and the point system seems logical,
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Last updated on: Jun 12th, 2015 at 1:42 EDT

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