What Are Auto Rewards Cards and Are They Worth Getting?

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Last updated on March 6th, 2020

Credit cards are an excellent tool for everyday use. There are gas rewards cards, travel cards, hotel cards – all designed to entice cardholders to skip paying with debit cards or cash and use their card instead. 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.

Auto Rewards Cards

The DrivePlus℠ Mastercard® is one such card. Offered by First Bankcard (a division of First National Bank of Omaha), the FCA DrivePlus Mastercard is a co-branded set of credit cards aimed towards those who are loyal to their automotive brand. There are currently six different DrivePlus cards available, each of which we have covered here on BestCards:

How Do Auto Rewards Cards Work?

Cards, such as the Ram Mastercard, are specifically targeted towards those who love their cars or trucks and want to save money on parts and services. The DrivePlus cards earn 5% cashback on dealership spends, plus 2% cashback on gas and travel purchases and 1% everywhere else. While the cashback savings are significant with these cards, the real bonus comes when redeeming. Redeeming your cashback at the dealership earns you double the rewards, meaning gearheads who like to shell out on their favorite rides can save some serious cash when they are looking to trade-in for a newer model.

Other Auto Rewards Cards

FCA and Fist Bankcard don’t have the automotive rewards credit card scene all to themselves, however. There are auto rewards cards for every taste and hobby. If you prefer a little luxury in your life, for instance, perhaps consider the Lexus Pursuits Platinum Visa. Like, the DrivePlus cards, this card earns 5x points at the dealership and 2x points on gas, but with the added benefit of dining and entertainment – ensuring that you earn great rewards for living life to the fullest. For those that live their life off-road, Polaris – one of the leading names in ATVs – also offers a rewards card. The Polaris Visa Card allows cardholders to earn 2x points at Polaris dealerships or gas stations, and single points for all other purchases. Points earned with the card are redeemable for Polaris Cash, which cardholders can use at participating Polaris dealerships.

How Do Auto Rewards Cards Compare to Other Rewards Cards?

You may be wondering what the benefit of an auto rewards card like the Ram Mastercard or the Polaris Visa Rewards and, say a rewards card from a retailer that also sells vehicles, such as the Bass Pro Shops Outdoor Rewards Credit Card? Put simply, auto cards earn increased points at dealerships and offer double rewards redemptions at dealerships. What this means is that they are designed pretty much exclusively towards those who want a card that can help them purchase a new vehicle.

Looking for a new Credit Card?

Are you thinking about getting an automotive rewards credit card to help you save up for a new vehicle? Or, perhaps you are already in love with your classic ride, but want to earn cash back that can be applied towards hard-to-find or expensive dealership parts? At BestCards.com, our expert team of credit card editors is continually researching and reviewing credit cards of every type and style – including auto rewards cards. Whether you are a Dodge or Jeep enthusiast looking to save up for a newer model, or an off-roader that wants to get rewarded for purchases they make to tune up their Polaris ATV, we’ve got you covered. We have a comprehensive collection of all the leading credit cards, including impartial reviews and a detailed run-down of all the key facts and figures you need to make an informed decision. Whether you are looking for an airline rewards card, a hotel rewards card, a cash back credit card, or even a secured credit card to help boost your poor credit score, at BestCards.com we are here to help you choose the ideal card.

About: Cory
Cory Santos

Cory is BestCards.com's "Jack of all trades" and resident credit expert, covering all facets of the credit card space. Cory holds academic degrees in both the U.S. and U.K. In addition to credit cards, Cory finds that jogging, cats, and memes are essential parts of a balanced day.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.

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