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BuyPower Card®

Credit needed
Excellent
APR
15.24% to 24.24%
Annual Fee
$0

Card Summary

General Motors is an affiliate of the BuyPower Card. This card earns rewards which can be used to purchase a new GM car.
You earn 5% on your first $5,000 of purchases each year, then 2%. All other purchases are unlimited at 2%.
The BuyPower Card does not have an annual fee, balance transfer fee, or foreign transaction fees. However, a late fee might apply.
BuyPower Card's annual percentage rate is between 15.24% and 24.24%. Variable APR.

Card Summary - Cons

Rates and fees

Issuer Name
Capital One
Penalty APR
None
Credit Needed
Excellent
Balance Transfer Fee
None
Annual Fee
$0
Cash Advance Fee
You can choose to pay $10 or 3% for each Cash Advance.
APR
15.24% to 24.24%
Foreign Transaction Fee
N/A
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Here’s a smart way to pay off

Capital One

The Best Features

All purchases earn you earnings.
BuyPower Card - 12-month 0% APR Intro Rate on Purchases: All new cards are eligible for a 12-month, 0% APR intro rate.
After the initial period, an APR between 15.24% and 24.24% variable APR will apply.

Rewards

Sign up bonus

APR Requirements

Drawbacks

Highlights

Your first $5,000 of purchases earns you 5%, and then every purchase thereafter gets you 2% unrestricted earnings.

To save money on your next Chevrolet, Buick or GMC, redeem your Earnings at any GM Dealer.

You can redeem Earnings for up to $250 each year in statement credits to be eligible to purchase certified service, parts and accessories or GM extras from your dealership.

All earnings must be used within the first 90 days after purchase. Your Earnings + Vehicle Offers = Total Potential Value. You can redeem your earnings whenever and wherever you are ready. You can redeem and earn as many points as you like towards a new GM car.

Enjoy no annual fees and World Elite Mastercard benefits.

Benefits

For physical damage or theft, the rental car collision damage waiver covers you.
Concierge services.
All items bought with the card are covered by an extended warranty.
Protection of the price.
Trip cancellation and travel accident insurance.

Comparative Analysis with Other Cards

Capital One Quicksilver Cash Reward Credit Card and BuyPower Card

Annual Fee: There is no annual fee for the card.

Reward: You can earn 5% for every $5,000 that you spend with the BuyPower Card, as well as 2% on any purchases thereafter, without limits. Capital One Quicksilver Rewards Credit Card rewards program offers 1.5% cashback on all purchases without limits.

No sign-up bonus for the BuyPower Card Capital One Quicksilver Cash Reward Credit Card offers a $200 bonus cash after you have spent $500 within three months of account opening.

Benefits: BuyPower Card Cardholders get a trip cancellation insurance waiver, price protection, and one year extended warranty coverage for most purchases made with the card. The Capital One Quicksilver cash rewards credit card benefits include rental car collision damage waivers, zero liability coverage and extended warranty coverage. There are also travel upgrades, savings and no foreign transaction fees.

Chase Freedom Flex vs. Chase Power Card

Annual Fee: There is no annual fee for the card.

Reward: You can earn 5% for purchases above $5,000 each year with the BuyPower Card, as well as 2% on any purchases thereafter, without limits. Chase Ultimate Rewards earns you 5%, 3% at restaurants and drugstores and 1% for all purchases made with Chase Freedom Flex.

Sign up bonus: The BuyPower Card doesn't offer any sign-up bonuses. After you have spent $500 in the first three months of account opening, you will receive a $200 bonus. Earn 5% Cash Back on Groceries (not Target, Walmart) on purchases up to $12,000 in your first year.

Benefits: BuyPower Card Cardholders get a trip cancellation insurance waiver, a rental car collision coverage waiver, price protection, and extended warranty coverage for most purchases made with the card.

The Chase Freedom Flex card offers zero liability, purchase protection and extended warranties coverage.

Redeeming Rewards

Maximizing Rewards

Annual Fees

Conclusion

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No late fees. Reduced interest charges. Pay off

Capital One