DrivePlus Mastercard Review

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The DrivePlus Mastercard, issued by First National Bank of Omaha, is geared to fans of the Fiat Chrysler Automobiles (FCA) family of cars, including Fiat, Chrysler, Jeep, Dodge, and Ram. Like any automotive credit card, it has limited purpose, but if you’re eyeing that new truck, it may help you shave your costs considerably. 

DrivePlus℠ Mastercard®

Overall Rating
DrivePlus℠ Mastercard®
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 25.99% variable
Annual Fee $0
Rewards Earning Rate 5% cash back at eligible dealerships, 2% on gas & travel, and 1% everywhere else.
INTRO PURCHASE APR 0% for 6 Billing Cycles
Foreign transaction fee (%) 3%
Ratings Breakdown
for Interest
for Fees
for Rewards
for Credit
Current Offer

$100 statement credit when you spend $499 at participating U.S. FCA dealerships during your first billing cycle. Additionally, earn $1,000 towards your next eligible FCA vehicle when you spend $7,500 in your first year.

Who Is This Credit Card Best For?

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    Savvy Saver

If you and your family are loyal owners of Chryslers (or any brand in the FCA family) and you’re planning to trade up in the next year or two, the DrivePlus Mastercard is worth serious consideration for anyone with good credit. For one, if you charge $7,500 on your card in your first year, you’ll earn a certificate good for $1,000 off the purchase or lease of new eligible models. Plus, you’ll earn 5% back—a competitive rewards rate—on all purchases at participating dealerships. For perspective, if you spent $1,000 per vehicle each year, you’d get $50 back.

On the flip side, if you’re not contemplating a new car any time soon, or your car is rarely in the shop, you’re probably better off with another credit card that pays bigger rewards, and on a broader swath of purchases. The rewards rates outside the dealership are pretty lackluster: 2% back on gas and travel and 1% back on everything else you charge to your card.

  • Good rewards on vehicle-related purchases

  • Generous new cardholder bonus for prospective buyers

  • Six months interest-free for big dealership purchases

  • Mediocre rewards on non-vehicle purchases

  • Your local dealership may not participate

Pros Explained

  • Good rewards on vehicle-related purchases: Any parts or service charged at participating U.S. dealerships will earn 5% back in rewards points. (This even applies if you use your card to make the down payment on a car purchase or lease.) This earning rate is as good or better than what we found on several of the credit cards affiliated with major automakers, though the GM BuyPower Card pays 5% back on all your spending (up to $5,000 a year,) so you’d rack up rewards much faster with that card, as long as you’re open to the GM brand.
  • Generous new cardholder bonus for prospective buyers: If you charge $7,500 to your card in your first year—on anything—you’ll earn a $1,000 certificate good toward the purchase of an eligible vehicle. Plus, if you spend at least $499 at participating dealerships during your first billing cycle, you’ll earn a $100 statement credit. Given that some cards of this type don’t have any new cardholder incentive, this is nothing to scoff at. (Though if your budget is modest, you may be better off with a card offering a smaller bonus that requires less spending.) 
  • Six months interest-free for big dealership purchases: It’s nice to get a few months to pay off a major repair, pricey new tires, or even a down payment on a new car. And with this card, the 0% APR applies every time you spend $499 or more at the dealership, not just when you first get the card. That said, the cards that have a more traditional introductory period waive the interest on all purchases, not just automotive purchases.

Cons Explained

  • Mediocre rewards on non-vehicle purchases: If you’ve got a relatively new or leased Chrysler or Jeep, you may not need to spend much on your vehicle (or the repairs and parts you need may be under warranty.) With this credit card, the most you can earn outside of the dealership is 2% cash back, and that’s only when you’re at the gas pump or booking travel. (More on this below.) 
  • Your local dealership may not participate: Not all dealerships participate in the rewards program, so you’ll want to check with your local dealer before applying for the card. After all, physical location is pretty important, especially since you must redeem your rewards in person.

Bonus for New Cardholders 

There are essentially two bonuses. First, if you spend at least $499 at a participating FCA dealership during your first billing cycle, you’ll earn a $100 credit on your card statement.

Second, if you spend at least $7,500—anywhere—during your first year, you’ll earn a $1,000 bonus certificate toward the purchase or lease of a qualifying new Chrysler, Jeep, Dodge, Ram or Fiat. But, there are some limitations. Once you get the certificate, you only have one year from the date it is issued to use it. In addition, not all car models are eligible, and the fine print—“FCA reserves the right to determine vehicle model eligibility in its sole discretion at any time”—suggests that it may be difficult to plan ahead. On the plus side, the certificate is transferable to an immediate family member living in your home.

Earning Points and Rewards

You’ll earn 5 points per $1 spent (the equivalent of 5% back) at participating U.S. dealerships; 2 points per $1 (2% back) spent on eligible travel or gas purchases; and 1 point per $1 spent (1% back) on all other purchases. There are no caps on how much you can earn. 

For an automotive credit card with no annual fee, these rates are pretty good—others offer 4 or 5 points at their dealerships, if they even have rewards—but not the best. For one, the GM BuyPower Card offers 5% back on all purchases up to $5,000 and then an unlimited 2% back on every purchase thereafter. And other automotive cards offer 2 points or 2% back on restaurant spending, gas and entertainment. 

What’s more, you can find general rewards cards with 5% bonus categories that rotate each quarter or offer a steady 3% back on gas, travel, dining out, and other regular spending. You may even be able to get a card that pays 2% cash back on everything. 

In other words, if you don’t spend a lot at your local FCA dealership, or you’re open to other car manufacturers, a different card may make more sense.

If you’re going to buy or lease a new car, use the card to make your down payment. Not only will you have six months without interest to pay it back, but the 5 points per $1 will add up quickly. For instance, if you put $3,000 down, you’d get 15,000 points worth $150.

Redeeming Rewards

This card used to have a more complicated redemption scheme, but for new applicants, it’s very straightforward: points are worth 1 cent no matter how you redeem them, including for cash back, according to a bank spokesperson. This means you don’t have to use them toward purchases at participating FCA dealerships to get the best value. In fact, theoretically, you could use the card strictly for gas and travel and routinely earn 2% cash back on those purchases.

Points can be redeemed for cash back either through a credit on your statement, an ACH deposit to any checking or savings account or as a check sent by mail. They must be redeemed in denominations of $25, $50, $100, $250, and $1,000. You can also redeem them for: 

  • Parts (including Mopar parts and accessories) and vehicle services or toward the purchase or lease of a new or used Chrysler, Dodge, Jeep, Ram, or FIAT vehicle at participating FCA dealerships in the U.S. 
  • Travel (airfare, hotel stays and car rentals)
  • Gift cards
  • Merchandise

Points expire seven years after they are awarded.

How to Make the Most of the Card

The big question to ask yourself is: Do you spend enough at the dealership to really unlock the value of this card? If you have a newer Chrysler or Jeep, you may not even have to go into the dealership other than for an oil change, and if something does go wrong, your warranty may cover many parts and repairs. In that case, a card that pays bigger rewards on more types of spending is a better choice. However, if you have multiple FCA cars in your household or are getting ready for a new one, then this card is likely worthwhile. Think about how much you typically spend at your car dealership each year.

Once you’ve earned the $1,000 certificate (if that’s your goal,) consider using one of the top cash-back credit cards for all purchases outside the dealership. That may provide you with bigger rewards and more flexible redemption options.

Customer Experience

Customer service is available 24/7 by phone, and First Bankcard, the First National Bank of Omaha division that issues the card, has a mobile app that allows cardholders to manage their accounts, pay bills, and more. Cardholders can also access their credit score for free. 

Security Features 

The DrivePlus Mastercard offers the option to enroll in Mastercard ID Theft Protection and fraud monitoring for free.


The Chrysler DrivePlus Mastercard credit card has the typical fees you’d find among similar cards. There's a $40 late payment fee and it should be noted that you will pay a 3% foreign transaction fee if you make purchases in foreign currencies.

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DrivePlus℠ Mastercard®
overall rating
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 14.99% - 25.99% variable
Annual Fee $0
Rewards Earning Rate 5% cash back at eligible dealerships, 2% on gas & travel, and 1% everywhere else.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.