In my opinion, Capital one is very fair to people rebuilding credit. Some of the other lenders take advantage of your situation and strap you with exorbitant fees right off the top. Carefully read the terms of any rebuilder card before accepting it. Some of the ones with the exorbitant fees are still advantageous for some people, but you are essentially paying for them to report, not getting useable credit to build from.
The above posters have given you excellent advice. Just keep one thing in mind, if you just opened the gm card, cap1 may not approve you for another card until After you have at least 6 months of positive history.
I'm in the same general score range you are,(when I got decent util) even a little lower. I was approved for a CapOne plat with a mid 577, and some baddies(old CO, lots of old SL lates). Let a high util statement cut, so i had a score drop but just got approved for a merrick card today(not great but i was thinking about a secured to get two more credit lines, so i look at it as a $120 secured card after fees). credit one keeps bothering me with emails but having no grace period is kind of crazy to me.
try some prequals and see what comes up, but ignore discover. I got prequaled for it, but the denial letter i got pretty much laughed me out of the building with like 9 reasons lol.
Also, the "trick" of the sct is its a soft pull, so dont worry about INQs.
oh yeah, i think capital one has a one card every 6 months policy now, not sure if the GM card falls under that. Someone more knowledgeable might know better.
When in a stalemate, these credit builders will help however with your history of obtaining a better card, just garden for a while for some history. You do not have to rush.
Thanks Ironbull. I thought about this last night before settling on Wayfair(I will use this for my home) as we are replacing several large items pretty soon. It gave me 750 SL. I will stop at this one as Sportsman Guide didnt do a pop up. I read stories of folks having over 20 of these cards and having them maxed. To the garden I go. The solf pull is nice and I will have to deal with the AAOA.