GM BuyPower from Capital One Review

All benefits

• Cash back
  • 5% On your first $5,000 in purchases every year, then 2% unlimited Earnings on purchases after that.
• Travel
  • Cellphone coverage:
  • Covers up to $1,000 in claims for two claims a year ($800 max per claim) for stolen or damaged phones. Deductible is $50. You must pay your cellphone bill with your BuyPower card.
  • Trip cancellation insurance:
  • Provides reimbursement for you and your family if your trip is interrupted or canceled due to a covered event and tickets were purchased with your BuyPower Card.
  • Insurance coverage for lost or delayed luggage:
  • Up to $1,500 of coverage per claim for lost checked luggage, with a limit of two claims per 12 months.
  • Rental home access:
  • With your card, you’ll get access to OneFineStay, a program that allows you to rent luxury vacation homes all over the world.
  • Car-rental insurance:
  • When declining damage coverage at a rental agency, the card’s coverage secondarily provides protection for damage to or theft of a rental vehicle.
  • Airport concierge access:
  • A special service for frequent travelers, designed to make the airport experience as smooth and painless as possible.
  • Travel and Emergency Assistance Services:
  • Lets you get help coordinating medical, legal, and travel services when you are traveling. The cost of any goods or services is your responsibility.

Rate and fee information

• Purchase Intro APR
  • 0% Introductory APR for the first 12 months.
• Purchase APR
  • 15.24% - 24.24% Variable.
• Intro Balance Transfer APR
  • None
• Balance Transfers APR
  • 15.24% - 24.24% Variable.
• APR for Cash Advances
  • 24.9% Variable.
• How to Avoid Paying Interest
  • Your due date is at least 25 days after the close of each billing cycle. You will not be charged interest on new purchases, provided you have paid your previous balance in full by the due date each month. You will be charged interest on cash advances and transfers on the transaction date.

Fees

Pros & Cons

Features

• 0% Intro APR
• Low interest
• No Annual Fee
• No foreign transaction fees
• Cashback
• Payment Flexibility
• Fraud Protection
• Rewards
• Purchase Protection
• Extended Warranty Protection
• Travel
• Airline
• Lost Luggage Reimbursement
• Baggage Delay Insurance
• Trip Cancellation
• Auto Rental Insurance
• 24/7 Travel Assistant
• Good Credit
• Excellent Credit