BuyPower Card from Capital One

gm credit card Sponsored Card
Required Credit Score: Excellent, Good
3.5 282 reviews   Write a Review!
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BuyPower Card from Capital One’s Rewards

Bonus
None
Base Earn
2% Earnings
Max Earn
5% Earnings
Earn / Redeem Limit
No
  • Every purchase earns rewards that can help you save toward a new Chevrolet, Buick, GMC or Cadillac vehicle.
  • Get 5% Earnings on your first $5,000 in purchases every year.
  • Unlimited 2% Earnings on every purchase after that.
  • Your Earnings don’t expire and there’s no limit on how much you can earn or redeem.
  • For an even better value, use your Earnings on top of your best agreed-upon price and most current GM offers.

BuyPower Card from Capital One’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’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
  • 0% intro APR on purchases for 12 months, then 11.9% - 19.9% variable APR on purchases.
  • No foreign transaction fees.
  • No annual fee.
Apply Now
at Capital One’s
secure site
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BuyPower Card from Capital One Reviews

 
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3.6
Overall Rating: 3.6 / 5
Total Ratings: 282
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Oct 15, 2014
Photo of Armeni A.
1
By:
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!!!!!!!!!!
Oct 13, 2014
Photo of Michael S.
4
By:
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.
Sep 25, 2014
Photo of Jenny L.
4
By:
The unlimited rewards are great. And especially the no annual fee. 2% on purchases will get me to a new car faster.
Aug 29, 2014
Photo of Eeddeek D.
1
By:
card sucks no balance transfers.
Aug 25, 2014
Photo of Rebecca P.
4
By:
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.
Aug 25, 2014
Photo of Scot W.
3
By:
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
Aug 8, 2014
Photo of Victor P.
2
By:
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.
Jul 22, 2014
Photo of Denton L.
1
By:
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.
Jul 9, 2014
Photo of Victor D.
4
By:
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
Jun 20, 2014
Photo of Domenic A.
4
By:
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
Jun 2, 2014
Photo of Kanisha B.
4
By:
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.
May 15, 2014
Photo of Dexter M.
4
By:
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.
Apr 8, 2014
Photo of Corey B.
4
By:
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.
Apr 4, 2014
Photo of Pi R.
5
By:
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.
Mar 27, 2014
Photo of Sam W.
4
By:
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.
Mar 20, 2014
Photo of Kasi G.
3
By:
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.
Mar 10, 2014
Photo of Lulu C.
3
By:
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.
Feb 21, 2014
Photo of Steven C.
3
By:
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.
Feb 7, 2014
Photo of Casey C.
3
By:
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
Dec 11, 2013
Photo of Frank O.
3
By:
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.
Dec 8, 2013
Photo of Chelsea M.
5
By:
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.
Dec 5, 2013
Photo of Nick D.
4
By:
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.
Nov 25, 2013
Photo of Connie C.
4
By:
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
Nov 21, 2013
Photo of Eric M.
4
By:
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,
Nov 16, 2013
Photo of Nicole A.
4
By:
The GM Card from Capital One is the credit card if you are a GM fan and buy GM cars. No annual fees or signups, this card is low maintenance. At the same time, there is LOW APR at only 12%-19% compared to 23% with other cards. Plus you accumulate 5%-2% points that NEVER expire. If looking to purchase a GM, you can get that credit almost instantly! If not planning on buying a car, this card is obviously not for you. However, with the choice of Chevrolet, GMC, Buick, or Cadillac, there are plenty of options when looking to buy. In reality, there are not many options in looking more
Nov 5, 2013
Photo of David M.
4
By:
If you're planning on buying a car, but you know you have time to save money and make a wise decision, I think the GM Card from Capital One would be an excellent decision. While it may be just an average benefit card for a standard consumer, the fact that rewards go toward GM purchases may actually help consumers save their money and earn whatever they need quicker. 5% on purchases for the first $5000 is great, and the 2% that comes after is still an excellent reward rate. No annual fee is a staple for all of my cards, and this one follows that trend. Overall, not a great more
Oct 29, 2013
Photo of Drew B.
5
By:
For new car buyers, and fans for Buick, GMC, Cadillac, or Chevrolet, the GM card from Capital One is a great card to get. It has no annual fees, its interest rates are competitive should you miss a payment, and there is no interest on purchases for the first year. The rewards program is great as well. For the first 5,000$ spent each year, you receive 5% in earnings which is a very high rate compared to other cards. After the initial 5,000$, you only receive 2% on further purchases but still, compared to other cards I have, 2% is still on the high end of the spectrum. Granted, the more
Oct 24, 2013
Photo of Jester C.
5
By:
With a base earnings percentage of 2% and a max earnings percentage of 5%, the GM Credit Card immediately appeals to my rewards conscientious objectives. Both exceed the limitations of the Capital One QuicksilverOne program where both base earnings, and max earnings are only 1.5%. Even more appealing is the range of the regular annual percentage rate for purchases – 11.9% to 19.9% - vastly more attractive than the set 22.9% of the Capital One. Same interest rates apply to balance transfers also. Both cards offer a travel service, which since I register for an exclusive road assistance service has always been of little or now value to me. One more
Oct 12, 2013
Photo of Jeremy A.
3
By:
This is obviously geared toward those who have or are planning on purchasing, leasing, or otherwise in some capacity having a car by GM. The APR is okay, nothing too spectacular, but the rewards program is interesting. Seemingly it earns 5% on everything no matter what, but the rewards can only be used going toward a GM branded car. Okay I guess if that was the brand of car you're planning on getting, it doesn't give you much other choice.
Oct 3, 2013
Photo of Ray F.
4
By:
The GM credit card is very interesting if you are in the market for a new car, this credit gives you a 5% bonus on all purchases starting from when you open the card, this is a very good bonus compared to most credit cards. The GM Credit Card is offered with no annual or start up fees. This card is offered through master card so it is very reliable and accepted at most merchants making it very convenient. The fees for the GM credit card are minimal with a maximum over limit penalty of only $25 and a max late fee of $35. Overall i find the offer very more
Sep 27, 2013
Photo of Tatiana J.
3
By:
I guess this card look interesting, I mean they do have %5 rewards when you buy stuff with it, but I don't like it because I think this card is for people who is going to buy a car more than once? I wouldn't really get this for myself I would want a card that gives cash back so I can use it to go shopping or get gas or something. The Capital One Venture Rewards Credit Card gives 2% back that I can use for shopping and the max overlimit fee is 0% and with this card its $25
Sep 18, 2013
Photo of Ashley L.
3
By:
The GM credit card really isn't all that interesting. It promises to give a 5% cash back rewards on purchases of GM vehicles which is a great amount compared to most other credit cards, however if you are not in the market for a new car, this car has little value. I would recommend looking for another card that offers cash back incentives for groceries and gasoline as these are common purchases and easy to pay off in whole. This GM credit card does serve a purpose, it just is not used widely enough for me to suggest it to every one.
Sep 12, 2013
Photo of Sheryl P.
4
By:
I can only recommend the GM Credit Card if you plan on purchasing a brand new GM car at some point down the road. If not, then you are essentially using this credit card for nothing. GM will give you 5% back on every purchase you make as long as it goes toward buying a brand new GM car. With that being the only benefit this card has, you have to be 100% certain that you see yourself buying a GM car in the future. This card could be perfect if you run a business and do a lot of transactions and will use the rewards to eventually buy a more
Aug 30, 2013
Photo of Chris M.
2
By:
There's really not a lot of reasons to get or use the GM credit card. The interest rate isn't really any better than any other credit card you could get. There's not any extra or special benefits, or any reasons to use it in one particular situation over another situation. The 5% rate is nice, but there's other cards that give you similar (or in some cases better) returns, and with those cards you get the actual cash back, instead of them just holding your money and only being able to apply it to a GM car. So, if you are 100% certain you're going to be in the market more
Aug 22, 2013
Photo of Michelle F.
4
By:
I have never been one to even consider buying a brand-new car (I've always hated the insane depreciation the moment you drive it off the lot). However, if you are the type to do so, this card may make pretty good sense to you. the 5% earnings on everything you spend is an excellent rate, considerably higher than you can expect with most other types of rewards cards (most others may have 5% on SOME purchases, but not all).

The interest rate range (14-23%) is pretty good, especially if you can get your rate toward the bottom of that range. Features like getting a 12-month intro period with no interest, more
May 23, 2013
Photo of Tom F.
1
By:
GM card has went to hell since taken over by Capital One. I had a $15.00 statement that was 1 day late due to internet computer glitch, first time ever in over 20 years of being late and got charged a $15.00 late charge on a $15.00 balance. Figure that percentage, worse then the mafia. This card is history in my wallet. Capital One are crooks.
Apr 12, 2013
Photo of Jennifer A.
5
By:
I really enjoy having this card. Their customer service is excellent and very patient when I call and have questions about certain charges. The reward of getting credit to a new car is also very nice. The fact it is a master card also means it is accepted everywhere so I have no problems using it where ever I go. I also like the fact that I can get another card for a family member on the same account. When my children are ready for that kind of responsibility I may let them have a card of their own. The last thing I will say about this card is the more
Nov 20, 2012
Photo of Sharon B.
4
By:
We've been using this card for a while now without any issues, and while earning points slowly and steadily to help when we purchase a new car. The rate is very comparable to others, and we've had great customer service anytime we've had to call or we've had a question about the bill. We've been building our points by making monthly purchases and paying it off, groceries, and now our Christmas purchases will be working for us to help earn even more points. I do wish they would offer double point weekends, as that could really help. We use our debit card and only one major credit card and we'll more
Aug 6, 2012
Photo of Frank P.
5
By:
If you are going to be saving up for a new car, this is the credit card for you! I have had this card for several years now, and the best part about it is that you earn a whopping 5% back on every purchase towards a new GM car! There is a maximum allowance towards each model of car though, so be sure to check that out first. For example, we could only get up to $2,000 off our Suburban. But in order to get that, you need to spend about $40,000 on the card which was very easy to do over 2 years for us. Never paid a more
Jul 25, 2012
Photo of Kristi P.
5
By:
I received this card offer in the mail 9 months ago. I accepted the offer due to the low interest rate and high credit limit. This card has been very useful to have for emergencies. I have dealt with customer service on the telephone, and was impressed with how professional and helpful their customer service representatives are. I am able to make my payments online or by mail, free of charge. I am able to make payments over the telephone for a reasonable fee. My only regret is not getting this credit card sooner. I recommend this card to anyone looking for a new credit card.
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Jan 9, 2013
Photo of Joanne B.
By: Joanne Bekke
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!
Jan 16, 2013
Photo of Card H.
Card Hub
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!
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Last updated on: Oct 15th, 2014 at 5:11 EDT