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August 13, 2018
BuyPower® Card
Earn 5% on First $5,000 Spent and Unlimited 2% Thereafter
- Regular Purchase APR 14.65%, 18.65%, 21.65%, or 24.65% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 14.65%, 18.65%, 21.65%, or 24.65% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.65% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for the first 12 months
- Processing Network Mastercard
- Earn 5% on the first $5,000 spent every year, then 2% unlimited earnings on purchases thereafter
- Up to $250 in statement credits for in-dealership purchases
- Unlimited earning and redeeming
- Earnings never expire
- Combine BuyPower® Card earnings with existing vehicle offers
- Intro Purchase APR: 0% for the first 12 months
- Regular Purchase APR: 14.65%, 18.65%, 21.65%, or 24.65% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 14.65%, 18.65%, 21.65%, or 24.65% variable based on creditworthiness and Prime Rate
- Cash Advance APR: 26.65% 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: 31.15% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $25
August 15, 2018
Ram DrivePlus Mastercard®
$100 Statement Credit with Initial In-Dealer Purchase
- Regular Purchase APR 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.49% to 26.49% 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: 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.49% to 26.49% 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
August 21, 2018
Chrysler DrivePlus Mastercard®
Up to 5% Back in Rewards
- Regular Purchase APR 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Cash Advance APR 26.74% variable based on the Prime Rate
- Annual Fee None
- Credit Needed 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: 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.49% to 26.49% 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
August 21, 2018
Jeep® DrivePlus Mastercard®
$1,000 Bonus Certificate Towards Next FCA Vehicle Purchase
- Regular Purchase APR 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.49% to 26.49% 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: 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.49% to 26.49% 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
August 21, 2018
Dodge DrivePlus Mastercard®
6 Months of 0% Financing for Eligible Purchases
- Regular Purchase APR 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.49% to 26.49% 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: 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.49% to 26.49% 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
August 21, 2018
FIAT® DrivePlus Mastercard®
No Annual Fee
- Regular Purchase APR 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.49% to 26.49% 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: 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.49% to 26.49% 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
August 21, 2018
Mopar® DrivePlus Mastercard®
Up to 5% Back in Rewards
- Regular Purchase APR 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR 15.49% to 26.49% 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: 15.49% to 26.49% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 15.49% to 26.49% 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
August 31, 2018
BuyPower Business Card™
Earn up to $2,000 in Bonus Earnings
- Regular Purchase APR 18.74% variable based on the Prime Rate
- Cash Advance APR 26.74% 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: 18.74% variable based on the Prime Rate
- Cash Advance APR: 26.74% 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: 26.74% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $25
June 28, 2019
GM Extended Family Card
Combine Earnings with your GM Employee Discount
- Regular Purchase APR 13.65%, 17.65% or 21.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.65%, 17.65% or 21.65% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 26.65% 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: 13.65%, 17.65% or 21.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.65%, 17.65% or 21.65% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 26.65% 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
September 03, 2019
Toyota Rewards Visa®
Earn 5,000 Bonus Points For Spending $500
- Regular Purchase APR 15.74%, 19.74%, 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 26.74% 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: 15.74%, 19.74%, 24.74% 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: 26.74% 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
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.
For those who aren’t into car customization, an auto card offers exceptional value for those who want to earn rewards on travel-specific purchases. These include gas on the daily commute, hotels, and other road trip specific spending categories.
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 a future vehicle purchase.
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.
How Do Auto Rewards Cards Compare to Other Rewards Cards?
What’s the benefit of an auto rewards card and a rewards card from another retailer? Auto cards earn extra points at dealerships, plus enhanced rewards options when redeeming at dealerships. This means these cards are designed for those who want a card that can help them purchase a new vehicle.
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.
Fees are another common feature with auto cards. They typically don’t charge an annual fee, but they usually charge foreign transaction fees. If you are looking for a versatile credit card that works as well around the world as it does in the US, look elsewhere.
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 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!
