Full Review

If you have or know you're going to get a Buick, Cadillac, Chevrolet or GMC vehicle, the GM BuyPower Card from Capital One definitely warrants consideration. And that probably includes a whole lot of people, considering that these brands offer some of the most popular models on the market. For example, the Chevy Bolt was one of the best family vehicles of 2016, according to Edmunds. Chevrolet's Corvette is the 9th most popular coupe of 2017, according to Kelley Blue Book. And five of KBB's 10 most popular SUVs of 2017 are in the GM BuyPower family: Chevy Equinox (3rd), GMC Arcadia Limited (4th), Buick Enclave (8th), Chevy Traverse (9th) and GMC Terrain (10th). But if your wheels are sporting another company's logo or you're even a bit unsure about what kind of car you're going to get next, you'll probably want to take a pass on GM BuyPower. After all, you're likely to earn more buying power, especially when it comes to redemption flexibility, from other plastic.

Rewards are generous, redemption is limited. You will earn $250 in rewards for the first $5,000 that you charge to the GM BuyPower Credit Card each year, with subsequent purchases yielding 2% back. That’s worth about $790 per year to the average person, who makes roughly $32,010 in purchases that can be paid for with a credit card on an annual basis. However, the fact that you can only redeem your earnings toward the purchase or lease of a vehicle from a handful of brands – Buick, Cadillac, Chevy and GMC – will likely prevent you from enjoying the fruits of your spending for months or even years.

No annual fee is always nice. This makes the Capital One GM BuyPower Card $19.76 cheaper than the average credit card.

0% intro rate can help you avoid interest. If you're planning a big-ticket purchase (besides a car) that will take longer than a single billing period to pay off, the GM BuyPower Card from Capital One is a decent option, offering 0% interest on new purchases for the first 12 months. Just make sure to pay your balance in full before the regular rate takes effect, as it has the potential to be quite high.

It's worth considering other options. The good or excellent credit needed to get the Capital One GM BuyPower Card may also help you qualify for some of the market's best rewards credit cards. Many of them have the potential to be far more lucrative than the GM BuyPower Card, which is all that really matters. After all, the more you save now, the more affordable your vehicle will be. It doesn't really matter whether your savings come from cash back or GM credit.


Home >> GM Credit Card

GM BuyPower Card Review

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

Sponsored Links

Related Credit Card/Article

GM BuyPower Card

The GMBuyPower card, issued by Capital One, lets fans of GM turn their everyday spending into rewards they can use to pay for dealership services, accessories, and the purchase of a new or leased vehicle. With no annual fee, an introductory purchase APR offer, and a generous rewards rate, GM loyalists can get a lot of value out of this card.
GM BuyPower Card

How to Apply For GM BuyPower Card

You can apply for a GM BuyPower credit card online or in a Capital One branch.To apply online, go to https://www.buypowercard.com.

How to Get the Most Out of GM BuyPower Card

You'll earn 5% rewards based on your account year, not your calendar year, so keeping up with your account opening date is important. The 5% earnings rate on the first $5,000 spent annually is too good to miss.Compound your savings by combining your rewards with several other GM discounts, too.

The Rewards of GM BuyPower Card

Rewards5% 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.You can also redeem up to $250 in statement credits each year for purchases on Certified

GM BuyPower Card Payment
Onlinesearch the official websiteLog in your accountmake a payment online