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Ram DrivePlus Mastercard®

Cory Santos

| Last updated on November 9th, 2023

Ram DrivePlus Mastercard®

Ram DrivePlus Mastercard®
BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
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None Annual Fee

Ram DrivePlus Mastercard®

  • 21.24% to 30.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
  • 21.24% to 30.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
  • 29.74% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from the transaction date for eligible purchases Intro Purchase APR

At a Glance

The Ram DrivePlus Mastercard is a co-branded auto rewards and cash back credit card from Dodge and First Bankcard, the credit card division of First National Bank of Omaha. The card is a versatile tool for those who love to work on their vehicle and travel, as it earns 5% cash back at any FCA US dealership in the United States, plus 2% back on gas and travel purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • 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: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
  • Balance Transfer APR: 21.24% to 30.24% 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: 29.74% 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 $40
  • Return Payment Penalty Fee: Up to $35
  • You love to work on your vehicle and want to earn rewards towards free parts
  • You love to travel and want to apply your rewards towards a new vehicle
  • You prefer FCA vehicles (Chrysler, Dodge, Jeep, Ram, Fiat)
  • You do't want to pay an annual fee

Ram DrivePlus Mastercard® Review

The Dodge Ram Mastercard is a versatile auto and gas rewards credit card for those who love to travel and want to earn rewards towards a new vehicle.

Bonus Offers

The Ram DrivePlus credit card comes with two bonus offers. First, you can earn a $100 statement credit when you spend $100 in FCA US purchases in your first billing cycle after the account is opened. That sign-up bonus isn’t massive, but it is lucrative thanks to its low spending threshold.

The second offer is a $1,000 bonus certificate. This bonus certificate is worth $1,000 toward your next FCA US vehicle after spending $7,500 on the card in your first year. (model restrictions apply).

While not a welcome offer, the card also offers the DrivePlus Mastercard a 0% introductory APR on eligible FCA purchases of $499. After that, you can expect a variable based on your creditworthiness and the Prime Rate.

How to Earn Cash Back with the Dodge Ram Mastercard from First Bankcard

Earning cash back with the Ram DrivePlus Mastercard is easy. Cardholders get 5% back at the dealership when they use their DodgeCard, 2% back on gas and travel purchases, and 1% back on every other purchase made with their Dodge Ram credit card. Here are the bonus categories in which cardholders earn 2% back on:

Local public transportation services, including ferries Tours, charters, and busses Timeshares Tolls
Passenger trains Cruise lines Airlines Lodging, including hotels, motels, bed & breakfasts, and other similar locations
Taxis and limousines Car rental companies Travel agencies and tour operators

As you can see, with FCA DrivePlus Mastercard offerings, such as the Ram DrivePlus Mastercard, it’s effortless to quickly rack up impressive cash back on travel and gas purchases. This earning power makes the card an excellent choice for anyone who frequently travels, as almost every purchase on the road gets you rewards.

Rewards can only be earned on eligible net purchases, meaning you won’t receive cash back rewards on the taxes or fees. Additionally, don’t expect to receive anything on the following dealership related spends:

  • Credits for returned merchandise
  • Annual fees
  • Finance charges
  • Cash advances or other account fees

How to Redeem Ram Credit Card Rewards

Redeeming Ram Credit Card rewards is just as easy as earning them. Ram Credit Card points are applicable towards cash back or for discounts at Dodge and Ram dealerships. Reward points apply towards parts, services, or towards the purchase or lease of a new or used vehicle at participating FCA dealerships, including Jeep, Chrysler, Dodge, Ram, or Fiat.

Points can also apply towards cash back rewards, with the cash back taking the form of a statement credit. Cash rewards only come in $25, $50. $100, $250, and $1,000 intervals. It’s also worth noting that while cash back is applied as a statement credit, any Ram Credit Card payment already due must also be paid – the statement credit will not cover that cost.

Amount Spent (at Dealership) Points Earned (%) Point Value when Redeemed at Dealership Point Value When NOT Redeemed at Dealership
$100 5 $0.01 $0.05
$500 25 $0.50 $0.25
$750 37.5 $0.75 $0.37
$1,000 50 $1 $0.5

Auto Rewards Card Comparisons

Here’s how the DrivePlus cards compares to two competitors:

My GM Rewards® Mastercard® DrivePlus Mastercard® Toyota Rewards Visa®
Rewards Earn up to 7X points on GM purchases, including service, parts, and accessories at participating dealerships, and 4X points on eligible purchases outside of GM Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases Earn 3X points at Toyota dealerships, 2X on gas, dining, and entertainment, and 1X on all other purchases
Welcome bonus 15,000 points and 0% intro APR offer $100 back after spending $1,000 in first 90 days N/A

Other Card Features

Other notable features of the DrivePlus FCA Mastercard from First Bankcard include an EMV chip enable card, digital wallet compatibility, and Mastercard protections. Mastercard provides the following:

Zero Liability Protection Mastercard Global Services ID Theft Protection

Should You Apply for the Ram DrivePlus Mastercard from First Bankcard?

Auto rewards credit cards offer decent value for anyone looking to save up for a new vehicle, and this Dodge Ram Credit Card is no different. If you are a fan of the Dodge Ram, travel often, and want to earn rewards towards statement credits or a new truck, this is the credit card for you.

The Ram DrivePlus Mastercard is a Ram Truck credit card that earns 2% back with practically every travel purchase. Use the card to book a hotel? Pay for your flights? Rent a car? All of these will get you 2% cash back. Not only that, but you’ll also get 2% back at gas stations.

The card is also a great tool for those who love working on their Ram truck. Receiving 5% back on parts and services is a great way to make the most of your existing ride while saving up for your next vehicle. Or, perhaps you plan to keep your Ram, and simply want to earn points towards a new suspension, body kit, or even an engine – no matter what your goal, the Ram Dodge Mastercard is a credit card that offers precisely what you seek.

Browse Other First Bankcard Credit Card Offers:

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