BuyPower Card® review

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Advertiser Disclosure

Interest Rate: Purchases
15.24% ‐ 24.24% (Variable) (0% for the first 12 months)
Balance Transfer
15.24% ‐ 24.24% (Variable)
5% cashback
Signup Bonus

Informr score
The BuyPower Card® currently has an Informr score of 7.4 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?

BuyPower Card® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Points Guy

The BuyPower Card is intended for a very specific audience — GM car fans or those that are certain to be in the market for a new vehicle and want to save towards that specific goal. However, when compared to a card like the Citi Double Cash, which earns an unlimited, flat 2% cash back (1% when you b...

- Chris Dong, The Points Guy

If a new Buick, Cadillac, Chevrolet, Buick, or GMC vehicle is in your plans, the GM BuyPower card has no annual fee and can help you earn rewards to apply toward the cost of a new or preowned vehicle at participating GM dealerships—or to service a GM car you now own. You’ll get 5% in rewards on up t...

- Kat Tretina, Investopedia

The GM BuyPower Card® can be a wise pick if you’re a current GM customer or you’ll soon be getting a Buick, Cadillac, Chevrolet or GMC. If you’re not a current GM customer, consider the likelihood you’ll become one. If you don’t end up joining the GM family, all of your earnings will be unusable.

- Kevin Joey Chen, Finder

Few cards can beat the 2 percent rewards rate on Capital One’s GM BuyPower card, but the rewards only apply to the purchase of a new car.

- Robin Ratcliff,
Dough Roller

With no annual fee and a full year of interest free payments, this is actually a great credit card to own. I’m quite surprised my review turned out this way, to be honest.

- Michael Pruser, Dough Roller


Interest Rates
Regular APR Interest Rate 15.24% ‐ 24.24% (Variable) (0% for the first 12 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 15.24% ‐ 24.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 24.9% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee 3%

Minimum of $10

Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $38.00


Sign up bonus No
All Purchases 5% cash back (on first $5000 spent)

Then 2% cash back

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

Redeem them whenever you’re ready to purchase or lease a new Chevrolet, Buick, GMC or Cadillac vehicle.

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Virtual Cards Yes
Additional Benefits

Trip Cancellation Insurance

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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