The BuyPower card is built for cardholders who want a simple flat cash-back card with no annual fee and no foreign transaction fee. Its strongest use is everyday spending, especially if you can take advantage of the temporary 5% return on the first $5,000 in purchases, but long term it settles into a straightforward 2% card.
All information about BuyPower has been collected independently by MaxRewards. BuyPower is no longer available through MaxRewards.
Everyday purchases
No-fee international spending
First $5,000 in spend
For someone who wants uncomplicated rewards, BuyPower is easy to understand. You earn 2% cash back on purchases without tracking categories, and there is no annual fee eating into that return. The limited-time 5% rate on the first $5,000 in spending gives it a nice early boost if you have near-term purchases coming up.
The tradeoff is that there is not much else here beyond the rewards rate. There are no listed travel perks, lifestyle credits, or standout cardholder benefits, and there is no welcome bonus right now. That makes this a practical fit for readers who value simplicity over extras, but not the card for someone looking for premium protections or a richer rewards package.
BuyPower makes the most sense for someone who wants a clean 2% cash-back card and may also benefit from the introductory 5% earning on early spend. If you want benefits beyond the rewards rate, this card does not give you much reason to keep it in your wallet.
This is a cash-back card with a simple structure: elevated earnings on the first $5,000 in purchases, then a flat 2% on everything else. It works best for everyday spending where you would rather earn a steady rate than juggle bonus categories.
All
Up to $5,000 spend per year
Everywhere
Est. Annual Rewards
Excellent credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Annual Fee
$0
Purchase APR
15.24% - 24.24%
Variable
Transfer APR
15.24% - 24.24%
Variable
Cash Advance APR
24.90%
Variable
Foreign Transaction Fee
None
Balance Transfer
None
Cash Advance
$10
Late Payment
$38
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Earn $2,000 Cash Back
Once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $1,500
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn $1,000 Cash Back
Once you spend $10,000 in the first 3 months from account opening
Annual Fee
$0 intro for first year; $95 after that
Rec. Credit
Excellent
