Ram DrivePlus Mastercard®
in Personal Credit Cards from First National Bank of Omaha
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| Purchase APR (Variable APR) | 16.24% - 27.24% |
| Balance Transfer APR (Variable APR) | 16.24% - 27.24% |
| Credit Score Range | 700 - 850 |
| Annual Fee | $0 |
Ram DrivePlus Mastercard® Review
This is a store cashback credit card issued by First National Bank of Omaha. If you're wondering whether Ram mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.
- 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 cashback card. It gives you cashback on your 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.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
| The Good | The Bad |
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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.It 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 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 $39 |
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.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 - Visit Site
Other Services by First National Bank of Omaha
Availability
- Alabama
- Alaska
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- Delaware
- Washington, DC
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- Hawaii
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- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Eligible In-Store Purchases | 5% |
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