Gm world mastercard

gm world mastercard

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Gm world mastercard

The GM MasterCard comes in five designs, with a choice between the four GM brands or an unbranded card. Source: gmcard.com.

The GM MasterCard issued by Capital One can be an excellent way to earn money toward your next General Motors vehicle. With an impressive reward rate, low interest and fees, and the benefits of a World MasterCard, this can be a valuable credit card product -- if you plan on buying a GM vehicle in the future.

One of the best rewards rates in the business

The GM MasterCard comes in three varieties -- for consumers, GM employees, and businesses -- and I'm going to focus on the product intended for general consumers, known as the BuyPower card.

The card allows a generous 5% earnings rate on the first ,000 in purchases each year, and 2% on all purchases beyond that threshold. The earnings never expire, nor is there a limit to the amount of earnings you can accumulate. In theory, you could get a free Corvette if you spend enough. The BuyPower card from Capital One also has no annual fee, comes with 0% APR for the first 12 months, and has variable interest rates as low as 11.9% afterwards.

The only catch is that your earnings can only be used for one purpose -- toward the purchase of a new GM vehicle (Chevrolet, Buick, GMC, or Cadillac).

However, for consumers who like GM vehicles, it's a no-brainer. This is a fixed, permanent rewards rate that other credit cards simply don't match. If you use the card for ,000 in spending per year for five years, you'll have ,750 to use toward your next GM vehicle. To see how your personal spending could add up, GM provides a calculator to estimate your reward potential.

The procedure for redeeming earnings is pretty straightforward. Simply decide on a new GM vehicle, and then negotiate your best price with the dealer. Once you've agreed on a price, let the dealer know you're a GM MasterCard holder and would like to apply your earnings toward the purchase price.

World MasterCard benefits

On top of the earnings, the BuyPower card from Capital One is a World Elite MasterCard, which comes with its own array of benefits. Just to name a few, cardholders get:

  • Price protection: If you find a lower price on an item within 120 days, you could be refunded the difference.
  • Extended warranty: You can get double manufacturers' warranties on many items (though not vehicles).
  • Exclusive VIP travel benefits, such as complementary upgrades at certain hotels.
  • Concierge service to assist with dinner reservations, event tickets, gifts, and more.
  • Trip cancellation insurance.
  • Airport concierge service.

    Most World Elite MasterCard products come with an annual fee attached, such as the offerings from Ameriprise (0 annual fee), Virgin Atlantic (), or Barclays (). So this list of benefits alone may make the BuyPower Card from Capital One appealing to you, even if you aren't planning on purchasing a GM vehicle anytime soon.

    The bottom line

    If you plan to buy a GM vehicle anytime in the future, the BuyPower Card from Capital One offers an unbeatable reward rate and benefits that are hard to find in a no-annual-fee credit card. With a straightforward redemption process, no limits on earnings, and no benefits expiration, this card ranks up there with the best rewards credit cards in the business.

    has no position in any stocks mentioned. The Motley Fool recommends General Motors and MasterCard. The Motley Fool owns shares of Capital One Financial. and MasterCard. Try any of our Foolish newsletter services . We Fools may not all hold the same opinions, but we all believe that makes us better investors. The Motley Fool has a .

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    Hidden deep in the dark recesses of your credit card agreement, there may be perks beyond the much-heralded loyalty points emblazoned on its marketing materials. One such perk? Most credit card companies offer free insurance on rental cars. It’s one of the reasons  and a great way to avoid forking over an extra 15 bucks every time you go on a trip.

    Still, an average of 20% of all customers buy optional insurance from the rental company every time they drive a rental. Another 20% spring for it some of the time. Should you?

    If you use a , you might need to. Although MasterCard offers rental insurance to its Gold, Platinum, World and World elite class cardholders, some of the company’s cards come without the protection policy. That’s why  ranked MasterCard behind , Discover and when it comes to auto rental insurance. The study, which somewhat subjectively rates each of the four major card companies based on “how each network’s policy compares to an ideal policy,” gave MasterCard a score of 73%. Visa led the pack with an 87%, while Discover and Amex filled out the middle with ratings of 85% and 82%, respectively.

    The scores were based on three major categories: Likelihood of Coverage, Quality of Coverage, and Logistics. The first category is what sank MasterCard’s ship. It was dinged for not providing universal coverage to cardholders and – when insurance is included – not covering “accidents occurring on unpaved roads [and] roads that are not regularly maintained.”

    MasterCard users, the study contends, “Cannot benefit from the peace of mind provided by blanket coverage.”

    All coverage is not created equal, of course, and MasterCard (along with Amex and Visa) does receive a perfect score for “Quality of Coverage,” when the coverage is available. Discover is the laggard there, as its insurance doesn’t cover things like towing costs or “loss of use” because of damage or theft.

    It’s not always as simple as having a card in your wallet, though. All four companies require that cardholders pay for the entire rental with the credit card, be the main driver listed on the rental agreement and decline the optional insurance offered by the rental car company.

    And don’t expect to take a rental Ferrari out for a two-month tour of Jamaica. Most card companies exclude fancy cars from their agreements, place country restrictions on insurance use (usually declining to cover cars in Jamaica, Israel, The Republic of Ireland and Northern Ireland) and cap the number of insured days at 30.

    CardHub’s conclusion, regardless of what card you have in your pocket, is a common refrain in the credit card industry. “The fine print and level of complexity of card network insurance policies makes it difficult for consumers to understand and count on them.” Read your card agreement wisely.

    A World Elite MasterCard is just that: elite. With one of those cards, you’ll get great travel perks, exclusive shopping experiences and more — all free. We’ll break down the benefits of World Elite MasterCards and tell you where you can find them.

    As the name indicates, World Elite MasterCards have a lot to offer travelers. These include:

  • Hotel benefits– booking a hotel room with a World Elite MasterCard provides a variety of perks to make your stay more pleasurable, including early check-in and check-out, free breakfasts, free access to hotel amenities (like spas and gyms), and free room upgrades. For example, in December 2013:
  • The in Barcelona is providing World Elite customers with free WiFi, free breakfast for 2 every morning, VIP status, and an upgrade upon arrival
  • The in London is offering World Elite customers free breakfast for 2 every morning, upgrade upon arrival, and late checkout
  • The in New York City is providing World Elite customers with free breakfast and coffee service for 2 every day, free upgrade upon arrival, late check in and check out, and a free evening wine reception daily
  • Airline perks – World Elite customers are eligible for savings and upgrades on a number of international airlines. For example, in December 2013:
  • 10% off coach and business class tickets with Aeromexico
  • Free business class upgrade when one full-priced economy class ticket is purchased with Swiss International Airlines
  • 25-35% off of a business class ticket from LAN Airlines
  • Rental car deals – World Elite cardholders receive regular discounts on car rentals. For example, in December 2013, World Elite customers can get free access to Avis Preferred and up to 15% off of rentals

    Beyond the extensive travel benefits provided by the World Elite MasterCard, the card also offers some very helpful perks for shoppers, including:

  • Extended warranties – items purchased with your World Elite MasterCard have a warranty one year beyond the one provided by the manufacturer
  • Price protection – if you buy something with your World Elite card then find it at a lower price within 60 days, MasterCard will refund the difference
  • Insurance – items purchased with your World Elite card are insured against loss or theft for 90 days

    The World Elite MasterCard doesn’t stop at giving members great travel deals and shopping perks. It also provides card holders with access to special events in their home cities, such as discounted tickets to sporting events, concerts, shows, wine tastings, shopping previews, and much more through its program. Currently, Priceless Cities is offered in New York, Chicago, Los Angeles, and Miami, as well as several other international cities, but more are being added every month.

    The bottom line: if you’re looking for a great all-around travel and shopping rewards credit card, the World Elite series of cards from MasterCard is probably for you. Perfection is hard to find, but the World Elite card is pretty darn close.

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    Gm Mastercard Login, Bill Payment & Customer Support Information

    Learn about how to login, bill payment options, how to set up Auto Pay, how to cancel account and other helpful tools for your Gm Mastercard account.

    You can login to Gm Mastercard online account by visiting this link and access all the features. Make sure you have an account already with them. Launch your Web browser and navigate to Gm Mastercard's Login page (see below).

    If you do not have an account, create an account. You will need to enter your email id, phone number and some personal data to verify your information.

    It offers online bill payment facility to all its users and provides several different methods to pay bills. You can pay your bill online at Gm Mastercard's website, mail your payment to the processing center, or pay your bill in person at any authorized location. It also provides you with the option to set up automatic bill payments online and make alternative payment arrangements. You can also cancel account and contact customer support online.

    Here’s the info you need to make your payment in any way you choose:

    Online: Log in to your account and pay online at https://gmcard.com/.

    By mail: You can mail your check to Po Box 090770 Wilwaukee, Wi 53209. Before sending the payment you should call the customer service number 800-771-7363 for reconfirmation.

    By phone: Use the automated system to make a payment. The phone number is 800-771-7363.

    In Person: Pay at any of the nationwide customer service centers.


    How-to Guide: Free Avis First Status! (For World Elite Mastercard Holders)

    Many credit cards offer perks and benefits just for using the card such as extended warranties, automatic rental car insurance, travel insurance etc… Most of these are pretty basic for credit cards these days but some offer enhanced benefits that may or may not be published such as access to airport lounges, free Boingo access, reimbursed Global Entry fees, etc…

    While I was browsing through the benefits of the credit cards that I hold, I discovered a hidden gem for my American Airlines Citi / AAdvantage Executive World Elite MasterCard: free enrollment in Avis First.

    Full Avis World Elite Benefits:

    • Save up to 20% on each rental
    • Enjoy complimentary membership to Avis Preferred®, where available
    • Enjoy complimentary upgraded membership to Avis First®
    • Save up to 20% on the rental portion of Avis’s chauffeur service, WeDriveU®
    • Enjoy other special promotions, subject to location and availability

    This is in addition to the standard Avis First benefits:

    1. Continued access to Avis Preferred Service — skip the lines and go directly to your vehicle.
    2. Two-Day Weekend rental rewards – earn rental days free of time and mileage charges after every fourth qualifying rental of 2 consecutive rental days. Other restrictions apply.
    3. Single Car Class Upgrades, when available – to arrive at your destination in style.
    4. An exclusive toll free reservation number line to assist with any questions or needs you may have with regard to your rental.
    5. A members-only website that will provide you with access to your rental and reward information.

    1. Obtain a World Elite MasterCard

    First of all, you’ll need to have a World Elite MasterCard, here are a few examples:

    • Bank of America / Virgin Atlantic World Elite MasterCard (Black Card) – Annual fee $90
    • Bank of America / Virgin Atlantic World Elite MasterCard (White Card) – Annual fee $49
    • Barclaycard Arrival Plus World Elite MasterCard – Annual fee $89
    • Barclaycard / Hawaiian Airlines World Elite MasterCard – Annual fee $89
    • Capital One / GM (Chevrolet, Buick, GMC or Cadillac) BuyPower Card World Elite MasterCard – Annual fee $0
    • Citi / American Airlines AAdvantage Executive World Elite MasterCard – Annual fee $450
    • Citi Prestige World Elite MasterCard – Annual fee $450

    2. Enroll in Avis Preferred (even if you already have an account!)

    According the rep I spoke with at MasterCard Travel Services, the Avis crew is unable to upgrade an existing account that has not been created with the special World Elite link. So, even if you already have an Avis Preferred Wizard Number, you’ll need to follow this link and create a brand new account: ENROLL FOR AVIS PREFERRED.

    3. Call MasterCard World Elite and give them your Avis Wizard Number

    With your newly created Avis Wizard number from step two, call MasterCard Travel Services at 855-802-1387 and explain that you want to take advantage of the Avis First upgrade and they should know exactly what to do. You’ll simply provide your Avis Wizard number and done!

    4. Done! Check your Avis account in a few days

    You should be all done! I checked my Avis account a few days later and found that I had been successfully upgraded:

    Within 5 days of calling MasterCard my account had been upgraded

    Within about a week of seeing the confirmation on my online profile, I received the welcome packet in the mail:

    Gm world mastercard

    Gm world mastercard

    Warning! There are links floating around the web that supposedly take you to the Avis First/World Elite sign up page but they only register you for Avis Preferred, not Avis First:

    The existing links on the web will take you to a defunct “Avis First” enrollment page–use the method outlined above for the real deal

    • Create a new Avis Preferred number using the link above (ENROLL FOR AVIS PREFERRED) before calling as existing Avis accounts are not upgradeable.

    BOTTOM LINE : Make sure you’re getting all of the benefits out of your credit cards! Avis First will help you in getting free upgrades and preferential treatment, so there’s no harm in signing up. While some of the annual fees are steep, the Virgin Atlantic White Card only costs $49 per year.

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