Ram DrivePlus Mastercard®
Ram DrivePlus Mastercard® Unaffiliated

Ram DrivePlus Mastercard®

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Purchase APR  (Variable APR) 17.24% - 28.24%
(Verified 09/05/2022)
Balance Transfer APR  (Variable APR) 17.24% - 28.24%
(Verified 09/05/2022)
Credit Score Range 700 - 850
Annual Fee $0

Ram DrivePlus Mastercard® Review

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

Key Takeaways

  • 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.
  • 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. Ram 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.
  • Gas rewards. 2% cashback on eligible fuel purchases.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Ram mastercard

The Good The Bad
  • Earn 5% cash back at the dealer ship, 2% cash back on gas and travel, and 1% cash back everywhere else.
  • Special financing options available.
  • Enjoy benefits such as identity theft protection, fraud monitoring, zero liability, and FICO score for free.
  • No annual fee.
  • 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.
  • Ram 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.

Ram mastercard FAQ

Does Ram 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.

What are the Ram mastercard benefits?

It provides the following benefits:

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

What are the relevant APRs for Ram 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.

Ram 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% .

Does Ram mastercard have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Ram mastercard have an intro APR offer on new purchases?

Ram DrivePlus Mastercard® Purchase Intro Offer
Introductory Rate 0%
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

What are the fees for Ram mastercard?

The following fees apply:

Ram mastercard Fees
Fees Amount
Annual 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 Ram mastercard have a foreign transaction fee?

Ram mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Ram mastercard?

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

What is the support contact email for Ram mastercard?

The support contact email for Ram mastercard is

What is the Ram mastercard login page?

You can access the Ram mastercard login page here.

How do people rate the customer service and user experience of Ram mastercard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

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

Yes, Ram 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 Ram mastercard

  • Visit the Ram 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.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by First National Bank of Omaha

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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
Cash Advance Fee Minimum $15
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $1.75
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee Up to $35
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Free Credit Score
Rewards Categories
  • 2% Cash Back on Travel
  • 2% Cash Back on Gas
  • 1% Cash Back on Every Purchase
  • 5% Cash Back on In-Store Eligible Purchases
Signup Bonus Starting at $100
Cash Advance APR (Variable APR) 27.49%
APR Type Variable APR
Purchase APR (Variable APR) 17.24% - 28.24%
(Verified 09/05/2022)
Balance Transfer APR (Variable APR) 17.24% - 28.24%
(Verified 09/05/2022)
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 5%
Card Type
  • Cashback
  • Travel
  • Store Card
  • Gas
Card Network Mastercard

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