
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
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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?
Description | |
---|---|
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:
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 firstnational@fnbo.com.
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.
Contact
- Headquarters
-
16th & Dodge St
Omaha, NE 68197 USA - (415) 908-2200
- Visit Site
- Email Support
Other Services by First National Bank of Omaha
Availability
- 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 |
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