Ram Credit Card – Ram DrivePlus Mastercard Reviews

Ram Credit Card: The Ram DrivePlus MasterCard is a co-branded credit card launched by Dodge and First Bankcard; you will get cashback and rewards from this card. Ram DrivePlus Credit Card is a great credit card for those who buy randomly for their vehicle and use it to travel long distances. With the Ram DrivePlus credit card, you can earn 5% cash back at the FCA US dealership in the USA and 2% on gas and travel expenses.


Purchase APR  (Variable APR)17.24% – 28.24%
Balance Transfer APR  (Variable APR)17.24% – 28.24%
Credit Score Range700 – 850
Annual Fee$0

Benefits of Ram Credit Card

  • Get 5% cashback on FCA US expenses, 2% cashback on gas and travel expenses, and 1% on all other purchases.
  • You will get 0% APR for 6 billing cycles on every FCA US dealership expense of $499 or more.
  • You can earn a bonus of $1000 if you spend $7,500 in your first year.
  • You easily redeem your rewards and double the value at FCA US dealerships.

Fees & Rates

  • Intro Purchase APR: As a welcome bonus, you will get 0% APR for 6 months from the purchase date on eligible products. 
  • Regular Purchase APR: After 6 months, the regular APR of 20.74% to 29.74% variable will be imposed based on your credit score and Prime Rate
  • Cash Advance APR: 29.74% variable based on the Prime Rate
  • Balance Transfer APR: 20.74% to 29.74% variable. This is based on your credit score and Prime Rate.
  • Return Payment Penalty Fee: Up to $35
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Balance Transfer Transaction Fee: Either $10 or 5% on the total amount of each transfer, whichever is greater
  • Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater

Why should you apply?

  • If you repair your vehicle on your own and this will give you a chance to earn rewards.
  • If you have traveling work and want to purchase parts from rewards.
  • If you have vehicles like Dodge, Jeep, Ram, or Fiat, you must have this RamPlus Credit Card.
  • Ram Credit Cards don’t have an annual fee.

Ram Mastercard Review

The Doge Ram Mastercard is a great credit card for auto and gas rewards. Those who love to travel and want to earn some extra rewards on their expenses then you must opt Ram Credit Card.

Bonus Offers

Yes, the Ram Credit Card gives you 2 bonus offers. First, if you spend $200 in FCA US expenses, you will earn $100 in the first credit card statement billing. Ram Credit Card is fantastic because it offers massive bonuses on its low spending threshold.

While in the 2nd bonus, you will get a $1000 bonus certificate. If you spend $7,500 at the FCA US store in the first year, you will get a $1000 bonus certificate. 

And yes, the Ram Credit Card also gives you a DrivePlus Mastercard with a 0% introductory APR on eligible FCA expenses of $400. Ather this period, the variable APR will be charged based on your credit score and the Prime Rate.

Check this also: New York and Company Credit Card

Pros & Cons Of Ram Credit Card


  • You will earn 5% cash back at dealership stores, 2% cash back on gas and travel, and 1% on all other expenses.
  • Good financing options are available.
  • You will get identity theft protection, zero liability, fraud monitoring, and FICO score free.
  • There is no annual fee.
  • 0% APR offer on new purchases in the starting 6 months. Then a variable APR of 17.24% up to 28.24% will be charged.
  • Free credit score check.
  • Identity Theft Protection.
  • Ram DrivePlus Mastercard® reports to multiple credit bureaus.


  • High foreign exchange fees.
  • Higher APRs after the offer.
  • You must have a very good credit score.
  • 3% charge on foreign transaction fees.

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

It is very easy to get cashback with the Ram DrivePlus Mastercard. If you successfully take the Ram Credit Card, you will get 5% back at the dealership if you use your DodgeCard, 2% cash back on gas and travel expenses, and 1% cash back on all other purchases from the Dodge Ram Credit Card. Here we have mentioned some bonus categories in which you can earn 2% cashback:

Local public transportation services, including ferriesTours, charters, and bussesTimesharesTolls
Passenger trainsCruise linesAirlinesLodging, including hotels, motels, bed & breakfasts, and other similar locations
Taxis and limousinesCar rental companiesTravel agencies and tour operators 

As per the analysis, the FCA DrivePlus Mastercard offers great rewards and cash back. The Ram Credit Card is very helpful for getting good cash back on travel and gas expenses. This helps the regular traveler to a much extent, and due to this, the Ram Credit Card is an excellent choice for frequent travelers because, on your every purchase, you will get reward points.

You will get reward points on eligible purchases. You will not get the cashback and rewards on taxes and fees. Plus, don’t expect anything from the following dealership-related expenses:

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

Check this also: Autozone Credit Card

How to Redeem Ram Credit Card Rewards

Redemption of Ram Credit Card rewards is very easy. You can redeem the regards at the Doge and Ram dealership stores for discounts. You can buy parts and services from reward points and lease a new or old vehicle at the FCA dealership stores. Vehicles include Fiat, Dodge, Ram, Jeet, and Chrysler.

Amount Spent (at Dealership)Points Gained (%)Point Value, when Redeemed at Dealership, StorePoint Value When NOT Redeemed at Dealership Store

The second option is to use the cashback reward points in the credit card statement. You can easily burn your cash points in credit card bills to reduce your bill. And you should also know that the cash rewards come in $25, $50. $100, $250, and $1,000 intervals. If your credit statement is due and you want to use these cash points in the due statement, it’s worth nothing, and the credit statement will not cover the cost.

Extra Card Features

The extra features of the Ram DrivePlus FCA MasterCard from the First Bankcard include a digital wallet, EMV chip-enabled card, and Mastercard protection. Mastercard provides the following:

  1. Zero Liability Protection
  2. Global Services of Mastercard
  3. ID Theft Protection

Apply for the Ram DrivePlus Mastercard

The Ram DrivePlus Credit Card offers good value for normal people to save on their new vehicle, and the Doge Ram Credit Card will help you to save money at different levels. If you regularly travel from one place to another and want to earn cash points on your credit statements, then you must have Ram Credit Card.

With the help of Ram Drivelus Mastercard, you can earn 2% cash back on your travel expenses. You can use this Ram Truck Credit Card to book a hotel, buy your flight tickets, rent a car, and get 2% cashback. And if you want to refill gas in your vehicle, you will get 2% cashback.

Ram Truck Credit Card

This credit card is a helpful tool for those working on their Ram Truck. 5% cash back on vehicle parts is great, and you can save much more on your existing rides. Keeping this credit card and earning good reward points on your expenses is great.

Is there any cash back or reward program in Ram Credit Card?

This cashback credit card does not offer any rewards on your expenses. You will get a cashback if you purchase any vehicle item from a particular store.

What are the benefits of a Ram Credit Card?

The Ram credit card has a lot of benefits:
A. Free Credit Score
B. No Annual Charges
C. Zero fraud liability
D. Reports to major credit bureaus

What are the APRs of Ram Credit Card?

As per the official data of the Federal Reserve Board, the average regular APR is 15% for all general credit cards and 17% APR for credit cards that carry a balance. In contrast, this credit card has higher than average regular APRs.

Ram Credit Card offers a variable APR of 17.24% to 28.24%. For balance transfer, 17.24% to 28.24%. Cash advance APR of 27.49%

Is there any intro APR on balance transfer?

No, there is no offer on balance transfer.

What is the intro APR offer on new purchases?

Introductory Rate: 0%
Purchase Intro APR Period: 6 months

The Ram Credit Card offers a 0% APR rate on qualified purchases for the starting 6 months.

What are the fees for Ram Mastercard?

Annual Fee: $0
Foreign Transaction Fee: 3%
Returned Payment Fee: up to $35
Late Payment Fee: up to $40

The Ram Credit Card doesn’t charge any annual fee, so most cardholders choose Ram Credit Card.

Is there any foreign markup fee on Ram’s Credit Card?

Yes, Ram Credit Card charges 3% on foreign transactions.

What is the customer service number for Ram Credit Card?

The Ram Credit Card customer service number is (415) 908-2200.

What is the contact email of Ram Credit Card?

The contact email for Ram Credit Card is firstnational@fnbo.com.

What is the official website of Ram Credit Card?

Here is the link to the official website of Ram Credit Card.

Does Ram Credit Card report to credit bureaus?

Yes, Ram Credit Card reports your account activity to the following credit bureaus:

1. Equifax
2. Experian
3. Transunion

Suppose you make your credit payments from time to time. In that case, your credit score will be improved, and maintaining your credit card utilization ratio will indicate that you are not fully dependent on your credit card. It will help you to improve your credit.

How to apply for Ram Credit Card?

Go to the official website of Ram Credit Card.
Then you have to fill out the online application form. You must provide your financial and general information, such as your SSN, address, and annual income. 
Verify your details and submit your details.

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