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
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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
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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

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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.

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