| Rewards | 5% back (5X points) Dealership purchases (service, parts, accessories, even down payments) 2% back Gas and travel purchases 1% back All other purchases |
|---|---|
| Signup Bonus | $100 statement credit after a small dealership purchase (e.g., ~$100 spend) |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.49% variable APR |
| Cash Advance Fee | Either $15 or 5% of the cash advance amount (whichever is greater) |
| Late Payment Fee | Up to $40. |
| Purchases APR | 20.99% – 29.99% variable APR depending on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Dodge DrivePlus Mastercard® from First National Bank of Omaha is a niche auto-focused rewards card best known for earning bonus points on dealership spending and offering perks tied directly to Dodge and Stellantis vehicles. It has no annual fee and rewards that are strongest when used for service, repairs, or even a future vehicle purchase.
Most users say they like the high earning rate at dealerships (around 5%) and the fact that rewards can meaningfully offset expensive car maintenance. Many reviewers mentioned it feels useful if you already service your car at a dealership and want to “get something back” from unavoidable costs.
On the downside, many cardholders complain that the rewards are very limited in how they can be used, since points are mainly tied to vehicle-related redemptions. Others feel the everyday earning categories are average and don’t compete with general cashback cards.
Personally, I think this card only really works if you’re loyal to Dodge or regularly spend at dealerships. For everyone else, a simple flat-rate cashback card will usually be more flexible and easier to maximize.
RATE THIS CREDIT CARD
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D
Convenient but Costly
I like having the Dodge Mastercard for car- related purchases, but the interest are higher than I expected. Occasional rewards are nice, yet the fees add up quickly. It works in a pinch, but I'd look elsewhere for log-term use.
M
Good card
Applied mainly because I drive a Dodge and wanted the perks. The card’s fine. straightforward, no hidden fees. I like the auto-related discounts, but I wish the points went a little further when redeeming for car maintenance.
