USES

Ram DrivePlus Mastercard® Credit Card Review

Ram DrivePlus Mastercard® from First National Bank of Omaha — all information about the credit card.

Updated December 11, 2023
Advertiser Disclosure Our Methodology
Ram DrivePlus Mastercard® from FNBO
Apply now
Our Rating:
2.49 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 5% Back on FCA US purchases.
    • 2% Back on gas and travel purchases.
    • 1% Back on all other purchases.
  • Intro Offer:
    • $1000 Bonus Certificate towards the purchase of your next FCA vehicle when you spend $7,500 in your first year.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    0% Introductory APR for the first 6 billing cycles from the transaction date
  • Regular APR:
    21.24% - 30.24% Variable
  • Balance Transfer APR:
    21.24% - 30.24% Variable
Show more

We recommend more cards

Quicksilver Capital One
Capital One Quicksilver Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
5%
Cash Back on hotels and rental cars booked through Capital One Travel.
Learn more
on our partner’s site
Quicksilver Student Cash Rewards Capital One
Capital One Quicksilver Student Cash Rewards Credit Card
None
Annual Fee
19.99% - 29.99%
Regular APR
1.5%
Cash Back on all purchases.
Learn more
on our partner’s site
Upgrade Triple Cash Rewards Visa® Upgrade
Upgrade Triple Cash Rewards Visa®
None
Annual Fee
14.99% - 29.99%
Regular APR
3%
Cash Back on Home, Auto and Health categories.
Apply now
On Upgrade‘s website
Apply now

Rate and fee information

  • Purchase Intro APR
    • 0% Introductory APR for the first 6 billing cycles from the transaction date
  • Purchase APR
    • 21.24% - 30.24% Variable
  • Intro Balance Transfer APR
    • None
  • Balance Transfers APR
    • 21.24% - 30.24% Variable
  • APR for Cash Advances
    • 30.24% Variable
  • How to Avoid Paying Interest
    • our due date is at least 21 days after the close of each billing cycle. You won't be charged interest on purchases if you pay your entire balance by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $10 or 5% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $15 or 5% of the amount of each cash advance, whichever is greater
  • Penalty Fees
    • None
  • Return Payment
    • Up to $35
  • Late Payment
    • Up to $40
View all Rates & Fees

Pros & Cons

Pros:
  • No annual fee;
  • 0% Intro Purchase APR for 6 or the first 6 billing cycles from the transaction date (14.99% - 25.99% afterward);
  • When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle.
Cons:
  • 3% Foreign Transaction Fee;
  • High Balance Transfer fee.

Features

Classic
Mastercard
  • 0% Intro APR
  • No Annual Fee
  • Rewards
  • Travel
  • Good Credit

About the issuer

First National Bank of Omaha
First National Bank of Omaha has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

Compare with other cards

Capital One Spark Cash Select for Excellent Credit
Capital One Spark Cash Select for Excellent Credit
5 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 18.49% - 24.49%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site
Cash Back, 0 APR, No Annual Fee, Restaurants, Entertainment, Daily use
SavorOne Rewards Capital One
Capital One SavorOne Cash Rewards Credit Card
4.27 out of 5
Recommended credit score
score
Excellent (740-799)
  • None
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5%
    Cash Back on hotels and rental cars booked through Capital One Travel.
  • 0% Introductory APR for the first 15 months that your account is open
    Purchase Intro APR
Learn more
on our partner’s site
Travel, Daily use
Venture Rewards Capital One
Capital One Venture Rewards Credit Card
3.43 out of 5
Recommended credit score
score
Good to Excellent (670-799)
  • $95
    Annual Fee
  • 19.99% - 29.99%
    Regular APR
  • 5x
    Miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.
  • None
    Purchase Intro APR
Learn more
on our partner’s site

See Another Credit Cards in the Bank

First National Bank of Omaha Ram DrivePlus Mastercard® is an option for those, who need Classic features. With an APR of 21.24% - 30.24% and $0 annual fee this credit card can easily cover your simple everyday demands. For high approval odds you need to have Good to Excellent (670-799) credit score. With First National Bank of Omaha Ram DrivePlus Mastercard® you will get such features as 0% Intro APR, No Annual Fee, Rewards, etc. To make sure about either this credit card is good for you or not compare it with other cards with similar features.

Another popular cards for you
Best for Good credit score
Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
4.35 out of 5
Recommended credit score
scorer
Fair to Excellent (580-799)
  • None
    Annual Fee
  • 14.99% - 29.99%
    Regular APR
  • 1.5%
    Cash Back on payments.
  • N/A%
    Purchase Intro APR
Apply now
On Upgrade‘s website