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.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
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.
Earning
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
Eligibility
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.
Pricing
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
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn a one-time cash bonus of $2,000 plus for a limited time, earn a $500 Capital One Business Travel credit
Once you spend $30,000 in the first 3 months
Annual Fee
$150
Rec. Credit
Excellent
Earn 150,000 Miles
Worth $2,175
Once you spend $30,000 in the first 3 months from account opening
Annual Fee
$395
Rec. Credit
Excellent
Earn 100,000 Miles
Worth $1,450
Once you spend $10,000 on purchases within the first 3 months from account opening
Annual Fee
$95
Rec. Credit
Excellent
