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FordPass™ Rewards Visa® Signature Card

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Regular Purchase APR 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR 15.99% to 26.99% 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
Intro Purchase APR 0% for 6 months on Ford purchases over $499
Processing Network Visa

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Terms & Conditions

Date Reviewed: October 19, 2021

Best Benefits

No annual fee
5% back on Ford Dealership purchases
3% back on gas, auto insurance, tolls, parking, and dining
10% back on Ford services
0% for 6 months on Ford purchases over $499

Rates & Fees

Intro Purchase APR: 0% for 6 months on Ford purchases over $499
Regular Purchase APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
Balance Transfer APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.24% 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 $40
Return Payment Penalty Fee: Up to $35

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MINI World Mastercard

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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 25.99% 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

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Terms & Conditions

Date Reviewed: October 11, 2021

Best Benefits

Earn up to 4X points per $1 on eligible purchases
0% introductory APR on purchases and balance transfers for 12 months
No annual fee
Get 25% more value on your rewards when you redeem points for a MINI Rewards Card
Redeem points for travel, merchandise, cash back, or a loan/lease payment

Rates & Fees

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 on transfers made 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: 25.99% 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 $40

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BMW Motorrad World Mastercard

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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 25.99% 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

Read Review Visit Card Site

Terms & Conditions

Date Reviewed: October 11, 2021

Best Benefits

Earn up to 4X points per $1 on eligible purchases
0% intro APR on purchases and balance transfers for 12 months
No annual fee
Get 25% more from your rewards when you redeem points for a BMW Rewards Card
Redeem rewards for travel, merchandise, cash back, or a monthly bike payment

Rates & Fees

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 on transfers made 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: 25.99% 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 $40

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Best Benefits

Earn up to 5X points per $1 on purchases
Get an annual $70 dealership credit
Get up to $1,000 in annual coverage for damage or theft of your cell phone
Free ShopRunner membership
No foreign transaction fees

Rates & Fees

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
Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance APR: 25.99% variable based on the Prime Rate
Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
Annual Fee: $99
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: Up to $40

Credit Card Deals

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Best Benefits

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

Rates & Fees

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: 25.99% 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 $40

Credit Card Deals

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Best Benefits

No annual fee
Earn 5 points for every $1 spent at Nissan dealerships and on gas
Earn 3 points for every $1 spent on dining and 1X points on everything else
Get access to limited-time financing promotions

Rates & Fees

Regular Purchase APR: 17.24% or 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 $40
Return Payment Penalty Fee: $29

Credit Card Deals

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Best Benefits

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

Rates & Fees

Regular Purchase APR: 17.24% or 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 cash advance, whichever is greater
Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
Late Payment Penalty Fee: Up to $40
Return Payment Penalty Fee: $29

Credit Card Deals

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Best Benefits

5X points at Lexus Dealerships
2X points on gas, dining, and entertainment
1X point everywhere else
Flexible point redemption options
No annual fee

Rates & Fees

Regular Purchase APR: 13.99%, 17.99%, or 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: Either $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: Either $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

Credit Card Deals

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Best Benefits

5X points at Toyota Dealerships
2X points on gas, dining, and entertainment
1X point everywhere else
Flexible point redemption options
No annual fee

Rates & Fees

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: Either $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: Either $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

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GM Extended Family Card

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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

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Terms & Conditions

Date Reviewed: October 13, 2021

Best Benefits

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

Rates & Fees

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
Late Payment Penalty Fee: Up to $38

Credit Card Deals

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How Do Auto Rewards Credit 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.

Are There Drawbacks to 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 Vehicle 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.

Find the Best Auto Credit Card

How Do Auto Rewards Credit Cards Work?

Why Choose an Auto Rewards Credit Card?

Can You Use Cards to Finance Car Repairs?

Are There Drawbacks to Auto Credit Cards?

How to Redeem Vehicle Rewards

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