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My Cadillac Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2% cash back
+ 4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
My Buick Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 2.4% cash back
My Chevy Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
My GMC Rewards Card
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 2.4% cash back
+ 4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 2% cash back
+ 0.8% cash back
My GM Rewards Card™
Earn unlimited 7x total points with GM, 4x points on purchases everywhere else.*
- Regular Purchase APR 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee None*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- The only U.S. co-branded card that offers unlimited 4x points on all purchases and no annual fee.*
- Get 15,000 bonus points after you spend $1,000 in your first three months.*
- Earn unlimited 7x total points with GM.*
- Redeem towards a new GM vehicle purchase or lease with no limit. For example, spending $12K per year on everyday purchases will earn you 48,000 pts/$480 toward future redemption with GM
- 0% intro APR on purchases for the first 12 months, then a variable APR of 19.24% to 29.24%.*
- No annual fee, no foreign transaction fees, or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 19.24% to 29.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Intro Balance Transfer APR: N/A*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Penalty APR: NONE
- Annual Fee: None*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
+ 2% cash back
+ 2.4% cash back
+ 1.2% cash back
GM Business Card™
Get 5% in Earnings on purchases of eligible GM parts, accessories and service at authorized GM dealers, 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on all other purchases.*
- Regular Purchase APR 18.24% to 28.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR 29.99%*
- Annual Fee $0*
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months*
- Processing Network Mastercard
- Get the business card that turns purchases into Earnings. Redeem Earnings towards a new GM vehicle and no annual fee.*
- Get $750 in Bonus Earnings towards the purchase or lease of eligible, new GM vehicles after you spend $5,000 on purchases in your first 5 months from account opening.*
- 0% Intro APR on purchases for the first 12 months, variable of 18.24% to 28.24% APR after.*
- 5% in Earnings on GM dealership parts, accessories or service purchases.*
- 3% in Earnings on purchases at gas stations, restaurants and office supply stores, and 1% on purchases everywhere else.*
- No annual fee, no foreign transaction fees or cash advance fees. Late fees may apply.*
- See if you're approved with no impact to your Credit Score. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score.
- Terms & Limitations Apply. Click here to see *Rates and Terms and Benefit Terms. Subject to credit approval.
- Intro Purchase APR: 0% for 12 months*
- Regular Purchase APR: 18.24% to 28.24% variable purchase APR based on creditworthiness. Rates as of 1/1/2023*
- Cash Advance APR: 29.99%*
- Cash Advance Transaction Fee: $0
- Annual Fee: $0*
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: Up to $40
+ 2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 1.2% cash back
+ 4% cash back
Lexus Pursuits Visa®
Earn 5,000 Bonus Points After Spending $500
- Regular Purchase APR 19.74%, 23.74%, or 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99% variable based on the Prime Rate
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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: 19.74%, 23.74%, or 28.74% 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: 29.99% 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
+ 2% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
Toyota Rewards Visa®
Earn 5,000 Bonus Points For Spending $500
- Regular Purchase APR 19.74%, 23.74%, or 28.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 26.99%
- Cash Advance APR 29.99% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.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: 19.74%, 23.74%, or 28.74% 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: 29.99% 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
+ 4% cash back
+ 2.4% cash back
+ 2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 1.2% cash back
MINI World Mastercard
Earn 5,000 Bonus MINI Reward Points
- Regular Purchase APR 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 30.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- 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
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.49% to 28.49% 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: 19.49% to 28.49% 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: 30.24% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 2% cash back
+ 1.2% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.4% cash back
BMW Motorrad World Mastercard
Earn 5,000 Bonus BMW Reward Points
- Regular Purchase APR 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 19.49% to 28.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 30.24% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network Mastercard
- 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
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 19.49% to 28.49% 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: 19.49% to 28.49% 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: 30.24% 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 $41
- Return Payment Penalty Fee: Up to $41
+ 2.4% cash back
+ 2% cash back
+ 2.4% cash back
+ 2.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
You've viewed 10 of 20 credit cards
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.
The options mentioned above, however, offer lesser value than using rewards points to spend at dealerships. Because FCA Mastercard products include names such as Chrysler, Dodge, Fiat, and Jeep, there are plenty of dealerships to choose from to make use of the card rewards.
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.
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Americans are saddled with more than $1.2 trillion in auto loan debt. Can a credit card like the Dodge DrivePlus Mastercard® be a viable alternative to an auto loan?
What Are Auto Rewards Cards and Are They Worth Getting?
Recently, more and more lenders have begun offering automotive rewards cards to tempt consumers to use their credit card as a way to earn rewards towards cashback – either on parts or as savings towards a new vehicle.