I would get a Capitol one card, I've had a GM card for many years and used it to buy our truck it was great then- Now they have made charges that were not to be charged and refused to credit me, Capitol One does not charge for the same thing! They will not let me use my points on my new car because I ordered one twice the price of one off the lot,and the redemption center said I could if I transfered to another GMcard only getting 20% of my point so when transferred back to the card company they refused, and told me I'd lose all $3000 points. I use my card often and have never been late making the payment in full at the end of the month. Maybe they are looking for some more customers that refuse to pay. I applied for Capitol One and you can have cash back to put towards anything you want. Wish I had that $3000 from my GM card it was going to be used for my down payment. The card and services suck!