GM card is a co-branded credit card program issued by Capital One, N.A. and General Motors runs the operations and administration of GM card’s Earnings Program. This cardholders receive credit benefits that can be used while making purchase of any eligible new vehicles launched by General Motors. With this card you have the eligibility to make purchases at multiple locations all over the world where MasterCard is applicable and also use this card to receive instant cash at MasterCard ATMs. With this rewards credit card program you can accumulate unlimited amount of earnings every year on all your purchases.
GM card unlike other reward credit card programs does not put any limit on earnings to only a certain category of purchases. The cardholders get an unlimited rebate of 5% on initial purchase up to $5000 and then by 2% from thereon on all annual purchases made with that card which can be applied on any car purchase from GM.
GM Flexible Earnings Card
This card offers unlimited rebate of 3% on all purchases of new cars or lease any new GM vehicles. Also you have the option to get a cash back of 1% on every annual purchase. You will receive your earning information with the billing statement, the statement displays both your earnings and the increased value of 1%.
GM Extended Family Card
With this card a user gets to combine earnings with employee and supplier discounts towards purchasing a new GM vehicle. This card holders also have the option of receiving 1% cash back on their annual purchases.
BuyPower Business cards
With this card the cardholders get an unlimited earning of 5% at the General Motor dealers on any part and services purchased and earnings of 3% at gas stations and restaurants and an earnings of 1% on every other purchases.
Earnings on the GM card can only be accrued through purchases and not by balance transfers, convenience checks, credit card checks or cash advances. The earnings earned on all purchases are valid till a period of 7 years from the end of billing cycle within which the purchases were made. Earning expiration of these 7 years will occur every month after the end of 7 years so the full 7 years of earnings are maintained.
As long as you have your account in good standing, you get to redeem all your earnings in cash in increments of $100. Although for purchase of any new car there is no minimum amount of redemption. The earnings applicable on the purchase or lease of a new vehicle are called Redemption Allowances and these allowances are applicable for the purchase of GM vehicles from Buick, Cadillac, Chevrolet or GMC. GM card earnings are redeemed with some exceptions like GM Credit Union member discount, GM supplier discount program, GM dealership employee program and Enhanced dealership Employee purchase program.
GM Card Issuing Banks
GM card is presently issued by Capital One bank co- partnered by General Motors. Prior to this, these cards were issued by HSBC through HSBC Finance Corp and HSBC USA until Capital One acquired most of HSBC’s credit card customers for 33.19 billion dollars.
GM Credit Card Login
You need to follow these steps to successfully logging in to your GM Credit Card account:
Step 1: Open the web browser from your enabled device and in the address bar enter the official address of GM Card and from there go to the login page.
Step 2: on the login page you will be prompted to enter your username and password. Enter the username and password of your GM credit card in their respective fields.
Step 3: Once you have entered these details accurately you will be directed to your online credit card account. There you can view all your offers and earnings as well as earning statements.
GM Card Account Recovery
If in case you have forgotten your GM card username you can click on the Forget Username option and then you will be prompted to enter the last 4 digits of your account number and then you have to enter your billing address and zip code and then click on Continue. You will be given instructions to retrieve your username.
In case you forgot your Password, on the login page click on Forgot Password. Now enter your username and click on submit. You will receive options of password recovery. Follow them accurately to retrieve your password.