Ram DrivePlus Mastercard®
in Personal Credit Cards from First National Bank of Omaha
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| Balance Transfer APR (Variable APR) | 16.24% - 27.24% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 16.24% - 27.24% |
| Rewards Rates |
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Ram DrivePlus Mastercard® Review
Ram DrivePlus Mastercard® is a store cashback credit card issued by First National Bank of Omaha. If you're wondering whether Ram DrivePlus Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.
Key takeaways:
- Earn a rewards rate of up to x.
- 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 $100 if you spend $100.
- Competitive APRs. Ram DrivePlus Mastercard® has a variable purchase APR that ranges from 16.24% up to 27.24%.
- No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 5% Balance transfer fee. Ram DrivePlus Mastercard® charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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. Earn up to 2% for every $1 you spend on gas.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
Ram DrivePlus Mastercard® Pros and Cons:
| The Good | The Bad |
|---|---|
|
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Is there a Ram DrivePlus Mastercard® cash back or rewards program?
No, Ram DrivePlus Mastercard® does not offer a rewards program. Ram DrivePlus Mastercard® is a cashback card. This means you earn a percentage of your purchase as a cash reward.
What are the Ram DrivePlus Mastercard® benefits?
Ram DrivePlus Mastercard® provides the following benefits:
- Free Credit Score
- Zero fraud liability
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Ram DrivePlus Mastercard®?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance.Ram DrivePlus Mastercard® has a variable purchase APR that ranges from 16.24% up to 27.24%. The card has a variable balance transfer APR that ranges from 16.24% up to 27.24%. It also has a variable cash advance APR of 27.49% .
Does Ram DrivePlus Mastercard® have an introductory APR offer on balance transfers?
No, Ram DrivePlus Mastercard® does not come with an introductory APR offer for balance transfers.Does Ram DrivePlus Mastercard® have an introductory APR offer on new purchases??
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.
| Description | |
|---|---|
| Introductory Rate | 0% |
| Purchase Intro APR Period (months) | 6 |
What are the Ram DrivePlus Mastercard® fees?
The following fees apply to Ram DrivePlus Mastercard®:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $39 |
Does Ram DrivePlus Mastercard® have a foreign transaction fee?
Ram DrivePlus 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 a foreign transaction fee.Does Ram DrivePlus Mastercard® report your account activity to credit bureaus?
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 can help improve your credit score.
How to apply for Ram DrivePlus Mastercard®
- Visit the Ram 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 you're denied click here to find out why your application may have been rejected and what you can do about it.
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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Contact
- Headquarters
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16th & Dodge St
Omaha, NE 68197 - Visit Site
Other Services by First National Bank of Omaha
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Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- 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
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Eligible In-Store Purchases | 5% |
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Purchase APR
16.24% - 27.24%
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Balance Transfer APR
17.24% - 24.24%
(Variable APR)
Credit Score Range
640 - 850
Annual Fee
$0
Purchase APR
17.24% - 24.24%
(Variable APR)
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- Office Supplies
- Software, Hardware, Cloud
Balance Transfer APR
23.49%
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
0% - 23.49%
(Variable APR)
Balance Transfer APR
16.24% - 27.24%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.24% - 27.24%
(Variable APR)
- 1% on Every Purchase
- 2% on Gas
- 2% on Travel
Balance Transfer APR
16.24% - 27.24%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
N/A
- 1% on Every Purchase
- 2% on Gas
- 2% on Travel
Balance Transfer APR
16.24% - 27.24%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.24% - 27.24%
(Variable APR)
- 1% on Every Purchase
- 2% on Gas
- 2% on Travel
Balance Transfer APR
N/A
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
16.24% - 27.24%
(Variable APR)
- 1% on Every Purchase
- 2% on Gas
- 2% on Travel
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