They gave me a gold card with like a $2500 limit when I had like 11 derogs on my reports. Lately I've been using my GM card for all purchases because it gives me rewards. I'm going to rent a car the first week of april in florida and today found out that GM card won't give me the rental insurance and the capitol one card will. The gm is a regular mastercard with a $5k limit and the capitol one is a visa gold.