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Showing 14 Cards
Date Reviewed: February 28, 2020
BMW Card
- Regular Purchase APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- No annual fee
- Earn 4X points on BMW purchases
- Earn 3X points on gas purchases, 2X points on dining, and 1X points on everything else
- Enjoy 0% APR on balance transfers and purchases for 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months for balances transferred within 30 days from account opening date
- Balance Transfer APR: 15.24% to 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Date Reviewed: February 27, 2020
Nissan® Visa Signature®
- Regular Purchase APR 17.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- Earn 5 points for every $1 spent at Nissan or INFINITI dealerships or on gas
- Earn 3 points for every $1 spent on dining and 1X points on everything else
- Get access to limited-time financing promotions
- Regular Purchase APR: 17.24% to 23.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each transaction, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
Date Reviewed: February 24, 2020
INFINITI Visa® Card
- Regular Purchase APR 17.24% to 23.24% variable based on the Prime Rate
- Cash Advance APR 25.24 % variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- No annual fee
- Earn 5 points for every $1 spent at INFINITY, Nisan, or gas stations
- Earn 3X points on dining and 1X points on everything else
- Periodic special financing offers
- Regular Purchase APR: 17.24% to 23.24% variable based on the Prime Rate
- Cash Advance APR: 25.24 % variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
Date Reviewed: September 03, 2019
Lexus Pursuits Visa®
- Regular Purchase APR 13.99%, 17.99%, 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Visa
- 5X points at Lexus Dealerships
- 2X points on gas, dining, and entertainment
- 1X point everywhere else
- Flexible point redemption options
- No annual fee
- Regular Purchase APR: 13.99%, 17.99%, 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: $10 or 5% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of the cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: September 03, 2019
Toyota Rewards Visa®
- Regular Purchase APR 13.99%, 17.99%, or 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good
- Processing Network Visa
- 5X points at Toyota Dealerships
- 2X points on gas, dining, and entertainment
- 1X point everywhere else
- Flexible point redemption options
- No annual fee
- Regular Purchase APR: 13.99%, 17.99%, or 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99%
- Balance Transfer Transaction Fee: $10 or 5% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
Date Reviewed: June 28, 2019
GM Extended Family Card
- Regular Purchase APR 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.9% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- Earn 1% per $1 on purchases
- Redeem your rewards for cash back in $50 increments or towards a new Chevrolet, Buick, GMC, or Cadillac purchase
- No annual fee
- No earning or redemption limits
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.24%, 18.24% or 24.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 24.9% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 31.65% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $25
Date Reviewed: August 31, 2018
BuyPower Business Card™
- Regular Purchase APR 16.99% variable based on the Prime Rate
- Cash Advance APR 24.9% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for the first 12 months from account opening
- Processing Network Mastercard
- Spend $5,000 within 3 months for $500 in bonus earnings
- Spend $50,000 within 6 months for an additional $1,500 bonus earnings
- 5% back GM parts, accessories and service at authorized GM Dealers
- 3% back at gas stations, restaurants and office supply stores
- 1% back on all other purchases
- Add employee cards at no cost
- No limit on earnings, points never expire
- No annual fee or foreign transaction fee
- Intro Purchase APR: 0% for the first 12 months from account opening
- Regular Purchase APR: 16.99% variable based on the Prime Rate
- Cash Advance APR: 24.9% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $25
Date Reviewed: August 21, 2018
Mopar® DrivePlus Mastercard®
- Regular Purchase APR 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 6 months from the transaction date for eligible purchases
- Processing Network Mastercard
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- Redeem rewards for double the value at FCA US dealerships
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle.
- Intro Purchase APR: 0% for the first 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
Date Reviewed: August 21, 2018
FIAT® DrivePlus Mastercard®
- Regular Purchase APR 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from the transaction date for eligible purchases
- Processing Network Mastercard
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- Redeem rewards for double the value at FCA US dealerships
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle
- Intro Purchase APR: 0% for 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
Date Reviewed: August 21, 2018
Dodge DrivePlus Mastercard®
- Regular Purchase APR 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 6 months from the transaction date for eligible purchases
- Processing Network Mastercard
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- Redeem rewards for double the value at FCA US dealerships
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle
- Intro Purchase APR: 0% for the first 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.99% to 26.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
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How Do Auto Rewards Cards Work?
Auto rewards credit cards are specially marketed towards those who love their vehicles and want to save money with every eligible purchase. These cards earn rewards on unique categories that owners of cars, trucks, and other vehicles spend the most. Typically, credit cards that earn auto rewards provide enhanced earning at select categories, including:
- Dealership purchases and services
- Parts
- Gas station purchases
- Travel purchases
Why Choose an Auto Rewards Credit Card?
Why choose a credit card that offers auto rewards? These cards are perfect for those who love to work on their vehicles, fine-tuning them to get them to perform their best. Auto cards also make sense for those who want a card that helps them save money on routine maintenance, such as oil changes, replacing windshield wipers, or fixing damaged headlights. You can even use an auto card to purchase customizations for your vehicles, such as add-ons or accessories.
Because cards with auto rewards partner with select manufacturers, they offer discounts on new vehicles and leases. That makes auto cards an excellent option for those who want an everyday use credit card that they can apply towards buying a car or truck.
There are several FCA DrivePlus Mastercard options, including the Jeep DrivePlus Mastercard, the Ram DrivePlus Mastercard, the Chrysler DrivePlus Mastercard, the Fiat DrivePlus Mastercard, and the Mopar DrivePlus Mastercard. While these cards vary little beyond their dealer-specific branding, they provide exceptional value.
Can You Use Cards to Finance Car Repairs?
Yes. In fact, using an auto credit card to pay for repairs to your car makes perfect sense. This is especially true if you don’t have another cash back credit card or a card with a 0% introductory APR offer or a low APR.
Using an auto repair credit card with auto rewards can help you offset the cost of repairs. This, in turn, means you don’t have to worry about paying for the entire cost upfront. Instead, you can pay with your credit card, then pay off that balance over time.
Drawbacks of Auto Credit Cards
While auto cards have significant benefits, they also have disadvantages. Because auto rewards cards are aligned with a particular dealer or manufacturer, they don’t offer much value outside of these brands. If you are looking for a card that has much more global value, an auto rewards credit card might not be for you.
Retail cards usually have high APRs. The same can be said of auto cards, as they are a form of a retail credit card. Those with excellent credit scores don’t need to worry, as their interest rates will be decent, but those with fair or good credit scores might receive an APR in the mid-20s, which is very high. These higher-than-average interest rates mean they aren’t great for financing purchases over an extended period.
These cards also act as a regular credit card, rather than an auto loan. This means any minimum monthly payments required need to be paid (at a higher rate) than a typical loan. In addition, credit card companies may charge a high penalty APR and late fees if you are late on paying the balance (in full or partially).
How to Redeem Auto Rewards
Redeeming your rewards varies depending on the card issuer and the dealership with which the card is affiliated. FCA Rewards credit cards, for example, are redeemable for things like gift cards, cash back, or merchandise.
These options offer lesser value, however than using rewards points to spend at dealerships. Because FCA Mastercard’s include names such as Chrysler, Dodge, Fiat, and jeep, there’s plenty of dealerships to choose from
Other auto cards, such as the BuyPower® Rewards Card or the GM Extended Family Card, offer redemption for purchases at dealerships. These purchases include new vehicles or parts and services.
Should You Apply for a Credit Card with Auto Rewards?
Thinking about getting an auto rewards or vehicle credit card? Browse BestCards extensive list of auto cards from major names and card issuers. Read our hundreds of reviews, use our comparison tool and take advantage of our extensive credit card resources and advice. Let’s find your best card today!
