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

Required Credit Score:
Good
627 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
  • 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.

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

Purchase Intro APR
0% for 12 months
Transfer Intro APR
Not Offered
Regular APR
13.15% - 23.15% (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   29.65% (V)
  • GRACE PERIOD   25 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE
    RATE
    25.15% (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. Save even more when you combine your available Earnings with most current GM offers and incentives.
  • 0% intro APR on purchases for 12 months, then a 13.15% – 23.15% variable APR on purchases will apply
Apply Now
at Capital One’s
secure site

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.

How can I get a credit line increase?
Reply

Photo of Card H.
Nov 13, 2015
You can always ask for a higher limit, but keep in mind that most issuers will not consider you for a credit line increase unless your account has been open for at least six months and you’ve consistently made on-time payments. It’s also important to note that requesting a higher credit limit may result in a hard inquiry on your credit report. For more information, check our our guide on How To Get A Higher Credit Limit: cardhub.com/edu/how-to-increase-credit-limit/
14 Votes 34 20

What is a credit score that would be considered OK to apply and get approved?
Reply

Photo of Crystal B.
Nov 22, 2015
That's not true. Read my post below. U just need a bank account and 35000 income. Say you're buying a car soon and you're approved. My score was very poor when I applied.
View 2 More
9 Votes 33 24

Can the points be used only for cars? Can they be used for something else?
Reply

Photo of Card H.
Apr 12, 2016
Yes, you can only use BuyPower points toward the purchase or lease of a new Chevrolet, Buick, GMC or Cadillac vehicle. Unfortunately, they cannot be redeemed for something else. Please let us know if you have any other questions.
2 Votes 8 6
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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

627 reviews
25%
39%
20%
11%
5%
Photo of Aishah H.
May 25, 2016
Was approval for $750 CL , used it and paid online. Sad to say that I just found out that it might take up to 14 days for them to clear my payment, so don't used up your CL. Called Customer Services to check , they are hopeless, just reading thru' their notes and keep repeating things that you already know and not helping you at all!!! Other then that a great card to have !
Photo of Aishah H.
May 25, 2016
Was approval for $750 CL , used it and paid online. Sad to say that I just found out that it might take up to 14 days for them to clear my payment, so don't used up your CL. Called Customer Services to check , they are hopeless, just reading thru' their notes and keep repeating things that you already know and not helping you at all!!! Other then that a great card to have !
Photo of Gary A.
Apr 16, 2016
Buypowercard I was approved and was shocked with my credit. I have a 300 credit line, this card is my first yes I want a car so this is good for me. I have called capital one and all people that I spoke with on the phone very good to talk to. Was also impressed they answered all my questions and were good at knowing the answers. I can not wait to get the card and use it. 0 percent interest for 12 months and all the perks of earning towards a car for me is a dream thank you Capital one for giving me a card and a chance
Photo of Virginia H.
Mar 9, 2016
Every time I have tried to log in to pay my bill, I get "website under maintenance". I use the Web because I don't want to call. So now what. If I can't pay online and have to call or mail a payment each month, it isn't worth the inconvenience. This has been every month since I got the card. Going on about 8 months now. Smh...
Photo of Vik R.
May 22, 2016
You can send the payment directly from your bank to them. Log into your personal banking account (be it Bank of America, Chase, Citizens Bank, etc) and add them as a payee and send the payment. I tend to only pay from one source (my bank) so I know what's being sent out and when.
Photo of Gabrielle D.
Jun 1, 2016
I get error if I use Google Chrome. But works fine in IE
Photo of Johnny W.
Feb 29, 2016
I was apparently pre-approved for this card and when I called and talked to them getting everything set up it was painless. Overall I've been very happy with using it and there is no annual fee also! Which is perfect since I think those fees are a bit scammy. I'm getting to the point where I need to get a new car and this one came along at the right time for me, I use a CC everyday for everything and pay it off at the end of each month. I'm literally going to be saving money using this card the way I do and they don't even charge me more
Photo of Michaelynne E.
Feb 24, 2016
The website for this card absolutely sucks. It is not at all clear how to actually PAY YOUR BILL!!! Stop letting marketing weenies design your customer service website! If I could give 0 stars I would.
Photo of Nina
Feb 19, 2016
What really drew me to this card was that the points I earn from using this card goes towards a purchase or lease of a GMC car. I think that this offer is a great way to reward people. I also like the introductory 0% interest for 12 months deal and the fact that this card has no annual fee. My only complaint about this card is that it doesn't have a security chip, or at least the one I have does not have it. I would definitely recommend this card to other people, especially for those rebuilding their credit. If you see this offer in the mail, get it! more
Photo of Kawoin T.
Feb 5, 2016
I received a invitation for this card in mail stating that I was pre-approved, the process was very simple and fast, within seconds i were approved, however i wish you could use the points on used vehicles instead of just new ones. The card looks very chic i must say cannot wait for it to arrive! (FYI This is my second credit card with capital one, so far so GOOD!)
Photo of Sarah L.
Dec 15, 2015
I'm sure the card itself is great - no issues yet, however they have THE WORST customer service. I'm actually paying my card off at the end of the month, just to close it, so that I never have to contact them again. It makes having the card not worth it on the chance you need to contact customer service.
Photo of Crystal B.
Sep 12, 2015
My credit score is 512. I got approved for a $500 CL. I will work hard to rise above that horrible score. This card will be treated like pure gold. Thank you GM Mastercard for giving me a 2nd chance with my credit life!!! I thought I was doomed.
Photo of Keith B.
Sep 10, 2015
This credit card looks really great! If you are at all inclined toward purchasing a GM vehicle in the near future this is a good way to offset some of the cost. 5% on the first $5000 and %2 thereafter are pretty good rewards and with a $0 annual fee it's hard to lose. No overlimit fee is nice too. Definitely worth taking a look at.
Photo of DaveKim W.
Sep 2, 2015
When card switched to capital one I have not been getting my 5percent at gm dealers call customer service they tell me it's not a gm dealer but before capital one took over it was a gm dealer it's like talking to a wall
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 Tanya R.
Jun 6, 2016
What fine print? Its a GM card. With rewards of this caliber, of course it's only good for a GM vehicle.
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 Shilly A.
Nov 4, 2015
i'm sure you've found this out already but, Capital One reports to all three of the major credit bureau plus a fourth minor one but all will be counted as ONE hard inquiry. This only effects your score slightly and will level out once making payments.
Photo of Jennifer R.
Nov 27, 2015
Good point
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.
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Last updated on: Aug 25th, 2016 at 9:10 EDT

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