To ensure you’re getting all the rewards possible from owning this card, consider getting additional cards for any or all of your employees who make purchases for the business, especially if they’re for gas or made at GM dealerships. You could also use the card to earn 3% earnings on purchases at gas stations, restaurants, and office-supply stores, and even to earn 1% cash back on all other purchases, assuming you have no better option for those miscellaneous purchases. You’ll get 5% in earnings on parts, service, and accessories at authorized GM dealers. To get the most value from your card, use it to manage and maintain your fleet of GM vehicles at authorized GM dealers. You work with the dealer to agree on a price, then deduct from the price earnings you have on your GM BuyPower Business card. To redeem your rewards, you’d go to an authorized GM dealership and select a new Buick, Cadillac, or GMC vehicle. The GM BuyPower Business card offers only one way to redeem your rewards: to apply them towards buying a new GM vehicle. There’s no limit to how much you can earn with the card, and rewards never expire as long as your account is open. 3% earnings on purchases at gas stations, restaurants, and office supply stores.5% earnings on purchases of GM parts, accessories, and service at authorized GM dealers.The 0% APR offer allows you to carry any or all purchases in that period without paying interest. The card’s appeal also increases for a fleetholder who seeks a break on cash-flow for the year after they receive the card. With its best earnings on automotive maintenance and gas expenses, and its only redemption option to help buy a new GM vehicle, the GM BuyPower Business card from Capital One best fits business owners who maintain a fleet of GM vehicles and intend to buy more of them, whether for work or personal use. Incurs gasoline or other commuting expenses each month You can also combine the card’s rewards with the GM College Discount, GM Military Discount, GM First Responder Discount, or GM Educator Discount to further lower your cost. By contrast, other business credit cards typically allow you to redeem your rewards in ways that range from statement credits and gift cards to airfare and merchandise. Note, however, that cardholders may use rewards not only to buy vehicles for the business but for personal use, and even for the use of immediate family members. Only One Option to Redeem Rewards: You can redeem your rewards and bonus earnings on this card in only one manner: Applying them to the purchase of a new GM vehicle used vehicles, for example, are ineligible even when bought from the automaker.That’s an unusually generous offer for a card with no annual fee, and could allow a business some welcome breathing room to juggle payables made to the card without having to pay interest charges. Introductory 0% APR on Purchases: The GM BuyPower Business card affords a 0% APR on all purchases for the first 12 months after opening an account.However, earning a net financial gain from the 5% bonus rate assumes that it makes sense for your company to maintain your GM fleet at GM dealerships, rather than independent maintenance shops, and to replace your current GM vehicles with further GM ones. This card essentially returns 5% of such expenditures made at GM dealerships to you in order to help you buy more GM vehicles. It would be difficult to find better rewards on vehicle expenses, especially if you also take advantage of the card's 3% earnings on gasoline. High Rewards Rate on GM Service and Accessories: If you own a fleet of GM vehicles-Chevrolet, Buick, GMC, and Cadillac-you likely spend a sizable amount to maintain and repair those vehicles.

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