Mopar® DrivePlus Mastercard®

Mopar® DrivePlus Mastercard® Review

This is a store cashback card issued by First National Bank of Omaha. If you're wondering whether Mopar® DrivePlus Mastercard® is the right card for you, read on.

Key Takeaways

• Generous reward rate. You can get a rewards rate of up to 5x.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Signup bonus. Offers a signup bonus of up to $100 if you spend $100 within 30 months.
• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 17.24% up to 28.24%.
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 5% Balance transfer fee. Mopar® DrivePlus Mastercard® charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Mopar® DrivePlus Mastercard®

The Good

The Bad

Receive 5% back on Mopar® purchases and at any FCA US LLC dealership 2% back on gas and travel purchases 1% back on purchases everywhere else¹ Special financing options available. Receive $100 cash back as a $100 statement credit when you spend $100 in FCA US purchases in your first billing cycle. Receive benefits such as identity theft protection, fraud monitoring, zero liability and FICO score for free. 0% APR on new purchases during the first 6 months. There is then a variable purchase APR that ranges from 17.24% up to 28.24%. No annual fee. Free access to your credit score. Identity Theft Protection. Mopar® DrivePlus Mastercard® reports to multiple credit bureaus.

Contains foreign transaction fees. Higher than average purchase APRs. You need good credit to qualify. Charges a foreign transaction fee of 3%. Charges a 5% balance transfer fee.

Mopar® DrivePlus Mastercard® FAQ

Does Mopar® DrivePlus Mastercard® have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards. You will receive 1% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $10 back in cash. However, you can earn up to 5% for purchases in a bonus category.

What are the Mopar® DrivePlus Mastercard® benefits?

It provides the following benefits:

• Free Credit Score
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for Mopar® DrivePlus Mastercard®?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Mopar® DrivePlus Mastercard® has a variable purchase APR that ranges from 17.24% up to 28.24%. The card has a variable balance transfer APR that ranges from 17.24% up to 28.24%. It also has a variable cash advance APR of 27.49% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for Mopar® DrivePlus Mastercard®?

The following fees apply:

Mopar® DrivePlus Mastercard® Fees

Fees	Amount
Annual Fee	$0
Initial Program Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $35
Late Payment Fee	up to $40

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Mopar® DrivePlus Mastercard® report your account activity to credit bureaus?

Yes, Mopar® DrivePlus Mastercard® reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Mopar® DrivePlus Mastercard®

• Visit the Mopar® DrivePlus Mastercard® website.
• Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
• Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.