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HighlightsCredit Card Feature
Things We LikeBonus of 5% Earnings on your first $5,000 in purchases every year
Our Least Favorite Earnings can only be redeemed for GM new purchases and vehicle upgrades
Our Verdict Great card to get top benefits while paying no annual fee

GM BuyPower Card from Capital One® is a credit card for GM lovers who want to earn rewards and save money when purchasing a new GM vehicle. With this no annual fee credit card you can get 5% Earnings on the first $5,000 you spend in purchases every year as well as 2% Earnings thereafter.

Combine this with many other benefits, and GM BuyPower Card from Capital One® might be the card that will help you save most if you're planning on purchasing a new GM vehicle in the near future. Here are the main things we like and dislike about this card.

Things We Like About GM BuyPower Card from Capital One®

No annual fee. You don't have to pay any annual fee to have this card. There are other credit cards out there with no annual fee, but the difference is that this is a World Elite MasterCard®, which is the most exclusive MasterCard you can get. It comes loaded with benefits.

Enjoy 0% intro APR on purchases for 12 months. That means when you make purchases using this card and then don't pay off the purchases in full each month, you won't have to pay interest on those purchases during that intro APR period. After this introductory period you'll have to pay a 13.90% - 23.90% variable APR on purchases.

Enjoy 5% Earnings on your first $5,000 spent on purchases each year. The first $5,000 you spend in purchases every year will reward you with 5% Earnings. This amounts to $250 Earnings yearly when you spend $5,000 on your card.

Earn 2% unlimited Earnings on the rest of your purchases. After you spend $5,000 in purchases each year you will receive 2% Earnings on the rest of your spending. Since there is no limit to the total amount of Earnings you can make, the more you spend the more you earn.

Earnings don't expire and you can redeem them for GM purchases. You can even redeem your Earnings for upgrades when purchasing your new GM vehicle, such as leather seats or new stylish floor mats. You can also use your Earnings to make a down payment for your new GM vehicle or to lower your monthly vehicle payments. Keep in mind that you can't use your Earnings to purchase fleet vehicles or with discount sales programs or private offers, which include the GM Employee Purchase Program.

Increase the value of your Earnings by redeeming them along with other GM incentives and offers. You'll save more by using your Earnings along with GM offers.

Your Earnings have no redemption limits. You can redeem your Earnings toward the lease or purchase of a new GMC, Buick, Cadillac or Chevrolet vehicle and there are no limits on Earnings redemption. You can also redeem points towards the cost of your monthly car payments on an ongoing basis. You can also redeem earnings towards add-ons or upgrades when you buy a new GM car.

No foreign transaction fees. Pay no fee when purchasing items online in another country or in a foreign currency.

No balance transfer fee when transferring balances to this account. Most credit cards charge a 3% or $5 minimum balance transfer fee.

Choose from 5 card designs. You can pick a card design that displays your favorite GM brand, such as Cadillac, Chevrolet, Buick and GMC.

Extended Warranty that may double the original store brand or manufacturer warranty up to 1 year.

Price Protection may reimburse you for the price difference if you make a purchase with your card and find the same item for sale at a lower price within 60 days.

Travel Accident Insurance that covers you and your family with up to $1 million in the case of dismemberment or accidental death if you purchased your common carrier tickets with this card.

Enjoy MasterRental® Insurance/CDW that will pay for the physical damage or theft of a rental vehicle if you paid for it in full with your card. Keep in mind that this insurance only applies if you decline the rental company's insurance.

Identity theft resolution services with wallet protection provides assistance notifying the credit bureaus and replacing your card if you become the victim of identity theft.

Trip Cancellation Insurance that can reimburse you if your tickets were bought with this credit card and your trip has to be cancelled due to a covered event.

Concierge Service can assist you when making gift purchases, reservations or finding items you want to purchase.

Enjoy MasterCard® Travel Services, Airport Concierge™ discount and Priceless® cities offers. This includes travel advisors, complementary travel planning, exclusive offers, complimentary benefits, upgrades and a 15% discount for the Airport Concierge™ (a Meet and Greet agent to chauffeur you around the airport and help with translation or legal work).

Enjoy MasterAssist® Travel Assistance Services and Global Service™ to aid you if you lose your documents, need to replace your tickets, trace and redirect your lost luggage, need legal or medical referrals, as well as other around-the-clock travel related assistance.

Our Least Favorite Things About GM BuyPower Card from Capital One®

No introductory APR on balance transfers. You won't enjoy any introductory APR on balances you transfer to this account, and will have a 13.90% - 23.90% variable APR since the beginning. However, you won't have to pay any balance transfer fee.

Earnings can only be redeemed for GM new purchases and vehicle upgrades at the time of purchase. You can't redeem your Earnings for cash back or other merchandise, as is the case with other cards.

How Other Cards Compare With GM BuyPower Card from Capital One®

APPLY NOWAt Amalgamated Bank of Chicago's secure website
Earn $150 Statement Credit after you spend $1,200 on purchases within the first 90 days from account opening
Intro APR:0% Intro APR on Purchases for 12 months
Regular APR:12.90% - 22.90% Variable APR on purchases and balance transfers
Annual Fee:$0
Credit Required:Excellent
One time bonus donation of $10 to your chosen nonprofit after your first purchase.
Intro APR:1.99% for 6 monthly billing cycles
Regular APR:16.24%-22.24% (Variable)
Annual Fee:$0
Credit Required:Good/Excellent

If you want to get top benefits while paying no annual fee, and earn rewards that you can redeem towards a new GM car, GM BuyPower Card from Capital One® is probably the card for you.

GM BuyPower Card from Capital One® is the credit card of choice if you want to purchase a new GM vehicle and earn rewards toward this purpose. You receive 5% Earnings on the first $5,000 of purchases you make each year and 2% Earnings after that. You can earn unlimited rewards that do not expire and that you can redeem without any limits. Of course, a cash back card could help you save similar amounts, and if you aren't sure that you're sticking with GM, then cash back might be a more flexible option.

But the benefits you get with this card are almost unmatched by other cards with no annual fee. If a concierge service, $1 Million of travel accident insurance coverage and trip cancellation insurance (when you pay for bookings with this card) and price protection are the kind of benefits you look for in a credit card, this may just be the card for you. The 0% intro APR on purchases for 12 months will allow you to pay off your purchases interest-free during this period, and enjoy a low 13.90% - 23.90% variable APR thereafter. Although the rewards program that you get with this card will only really benefit you if you want to buy a car in the General Motors portfolio, the World Elite MasterCard® benefits this card offers at no annual fee makes it an attractive credit card for anyone interested in a credit card with perks.

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