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BMW Card
BMW Card
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The BMW Card earns cardholders four points for every dollar they spend on qualifying BMW purchases. Additionally, cardholders earn three points for every dollar spent on gas and two points for every dollar spent on dining purchases. All other purchases earn cardholders one point for every dollar they spend. What’s more, this card offers an introductory 0% APR promotion on balance transfers and purchases for 12 months. All these features are available for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 4X points on BMW purchases
- Earn 3X points on gas purchases, 2X points on dining, and 1X points on everything else
- Enjoy 0% APR on balance transfers and purchases for 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months for balances transferred within 30 days from account opening date
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You own or plan to own a BMW
- You don’t want to pay an annual fee to use a credit card
- You want to earn additional points on gas and dining purchases
- You would like to take advantage of 0% APR on purchases for 12 months
- You need to transfer a balance and plan to pay it off in 12 months
BMW Precision World Elite Mastercard
BMW Precision World Elite Mastercard
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 20.49% to 29.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The BMW Precision World Elite Mastercard is a premium auto rewards credit card from U.S. Bank and BMW. The card, which charges a $99 annual fee, offers 5X points on BMW purchases, 3X points on gas, 2X points on dining, and a flat rate of 1.5X points on all other purchases. The card also boasts a $70 annual dealer credit and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn up to 5X points per $1 on purchases
- Get an annual $70 dealership credit
- Get up to $1,000 in annual coverage for damage or theft of your cell phone
- Free ShopRunner membership
- No foreign transaction fees
- Regular Purchase APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 20.49% to 29.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You prefer to have their vehicle’s maintenance done at a BMW dealership
- You travel frequently and make purchases abroad or in foreign currencies
- You want an everyday card that offers versatility – for a price
FIAT® DrivePlus Mastercard®
FIAT® DrivePlus Mastercard®
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from the transaction date for eligible purchases Intro Purchase APR
At a Glance
The Fiat DrivePlus Mastercard is a co-branded cash back credit card from First National Bank of Omaha The card, an auto rewards credit card, gives loyal Fiat vehicle owners the chance to earn a $1,000 bonus certificate, a $100 statement credit, and up to 5% back in points on purchases. Points can be redeemed for cash back, gift cards, and travel or for parts, vehicle maintenance services, and the purchase or lease of a new vehicle.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- Redeem rewards for double the value at FCA US dealerships
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle
- Intro Purchase APR: 0% for 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You're planning to buy a new card within 12 months
- You will spend at least $7,500 within 12 months
- You plan on making a $100 purchase at an FCA US dealership within the first 30 days
- You prefer FCA vehicles (including Chrysler, Dodge, Jeep, Ram, Fiat)
Lexus Pursuits Visa®
Lexus Pursuits Visa®
- 21.24%, 25.24%, or 30.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Shop your way behind the luxurious wheel of a Lexus with the Lexus Pursuits Visa® credit card. Earn 5X points at Lexus dealerships; 2X points at gas stations, restaurants, and entertainment venues; and 1X everywhere else. Ideal for those who are in the market for a new Lexus or who regularly have their vehicle serviced or repaired at a Lexus dealership, use your earnings to reduce your costs at signup or to cover Lexus maintenance fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 5X points at Lexus Dealerships
- 2X points on gas, dining, and entertainment
- 1X point everywhere else
- Flexible point redemption options
- No annual fee
- Regular Purchase APR: 21.24%, 25.24%, or 30.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of the balance transfer, whichever is greater
- Cash Advance APR: 32.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of the cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're a loyal Lexus customer and want to accumulate savings towards your next vehicle
- You take your Lexus to a dealership for service or repairs
- You want rewards for entertainment (includes sporting events, amusement parks, carnivals, aquariums, museums, music events, movie theaters, and more)
- You want a card with no annual fee
Mopar® DrivePlus Mastercard®
Mopar® DrivePlus Mastercard®
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 21.24% to 30.24% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.74% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from the transaction date for eligible purchases Intro Purchase APR
At a Glance
The Mopar® DrivePlus Mastercard® is a rewards-heavy auto rewards credit card for shoppers of all things Mopar. With enticing introductory offers as well as continuous rewards, it’s an easy contender for the title of daily credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back on FCA US purchases, 2% back on gas and travel purchases, and 1% back on all other purchases
- $100 statement credit when you spend $499 in FCA US purchases in your first billing cycle after the account is opened
- 0% APR special financing for 6 billing cycles on every FCA US dealership purchase of $499 or more
- When you spend $7,500 in your first year you will receive $1,000 Bonus Certificate towards the purchase of your next FCA vehicle.
- Intro Purchase APR: 0% for 6 months from the transaction date for eligible purchases
- Regular Purchase APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 21.24% to 30.24% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.74% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You own an FCA vehicle (FIAT, Chrysler, Dodge, Jeep, Ram, SRT)
- You frequently make Mopar products purchases
- You plan to make daily purchases with your credit card
- You regularly make purchases at US FCA dealerships
You've viewed 5 of 21 credit cards
What is an Auto Rewards Credit Card?
Are you a frequent driver who wants to make the most out of your vehicle expenses? If so, then a vehicle or auto credit card could be the perfect solution for you.
An auto rewards credit card is a type of credit card that automatically earns rewards on purchases without needing any specific activation or selection of bonus categories. These specialized credit cards offer unique benefits and rewards specifically tailored to drivers. that can save you serious money when repairing (or replacing) your car.
How Do Auto Rewards Cards Work?
Auto credit cards function similarly to regular credit cards but with a notable difference. These cards provide rewards specifically designed for your vehicle-related expenses rather than offering generic rewards or cash back. When you use your auto credit card to make purchases at gas stations, auto repair shops, or even for car rentals, you accumulate points or cash back that can later be redeemed for a wide range of auto-related rewards.
Redeeming your rewards varies depending on the card issuer and the affiliated dealership. For instance, FCA Rewards credit cards can be redeemed for gift cards, cash back, or merchandise. However, it is worth noting that these options offer less value than using rewards points to purchase at dealerships. Given that FCA Mastercard products include well-known names such as Chrysler, Dodge, Fiat, and Jeep, numerous dealerships are available where you can fully utilize your card rewards.
Why Choose an Auto Rewards Credit Card?
Why choose a credit card that offers auto rewards? These cards are perfect for car enthusiasts who enjoy working on their vehicles to optimize their performance. Auto cards also benefit those who want to save money on regular maintenance tasks like oil changes, replacing windshield wipers, or fixing damaged headlights. Additionally, auto cards can be used to purchase vehicle customizations, including add-ons and accessories.
Additionally, auto rewards credit cards partner with select manufacturers, providing discounts on new vehicles and leases. This makes auto cards an excellent choice for individuals seeking an everyday credit card that can be applied towards purchasing a car or truck.
Benefits of Auto and Vehicle Credit Cards
Using a vehicle credit card has many benefits that can significantly enhance your driving experience. Here are some of the top benefits you can expect:
- Auto-specific rewards: Unlike general rewards credit cards, vehicle credit cards offer rewards that are directly related to your vehicle expenses. This means you can earn points or cashback every time you fuel up, get an oil change, or even purchase new tires.
- Lower gas prices: Some vehicle credit cards partner with gas stations to offer discounts on fuel purchases. By using these cards, you can save money every time you fill up your tank.
- Enhanced roadside assistance: Many vehicle credit cards provide complimentary roadside assistance services, including towing, tire changes, and lockout assistance. This can be a valuable perk to have in case of emergencies.
- Vehicle purchase rewards: Some vehicle credit cards offer rewards that can be used to purchase a new or used vehicle. This can help you save money when it’s time to upgrade your wheels.
Are There Drawbacks to Auto Credit Cards?
While auto cards have significant benefits, they also have disadvantages. Auto rewards cards, which are aligned with a particular dealer or manufacturer, may not offer much value outside of these brands. If you are looking for a card with more global value, an auto rewards credit card might not be the best choice.
Retail cards usually have high APRs, and the same can be said of auto cards since they are a form of retail credit card. Those with excellent credit scores don’t need to worry, as their interest rates will be decent. However, those with fair or good credit scores might receive an APR in the mid-to-upper 20s, which is very high. These higher-than-average interest rates make auto cards less ideal for financing purchases over an extended period.
It’s important to note that these cards function as regular credit cards, rather than auto loans. This means that any minimum monthly payments must be paid at a higher rate than a typical loan. Additionally, credit card companies may charge a high penalty APR and late fees if you are late on paying the balance, whether in full or partially.
How to Choose Your Best Auto Card
With so many vehicle credit cards available, choosing the one that best suits your needs is essential. Here are some factors to consider when researching a new auto credit card:
- Rewards: Look for a card that offers rewards on the expenses you spend most frequently, such as gas, repairs, or car rentals when traveling. Pay attention to the rewards rate and how quickly you can accumulate points or cash back.
- Redemption options: Check the redemption options available with the card. Some cards offer flexibility, allowing you to redeem rewards for auto-related expenses, while others may limit your options to basics like statement credits.
- Fees and interest rates: Check the annual fee and interest rates associated with the card. While most auto cards charge no annual fee, some might. If the annual fee is high, ensure the rewards and benefits outweigh the cost. Additionally, look for cards with low or 0% introductory APR offers.
- Additional perks: Take into account any additional perks or features the card offers, such as complimentary roadside assistance, extended warranty coverage, or travel insurance. These extras can add significant value to your card.
Tips for Maximizing Auto Rewards
Here are some useful tips and strategies to help you maximize your auto rewards:
- Use the card for all auto-related expenses: To maximize your rewards, use your vehicle credit card for all auto-related expenses, big or small. This includes gas, repairs, car washes, parking fees, and toll charges. Every purchase adds up and contributes to your total points balance.
- Always pay your balance in full: To fully reap the benefits of your vehicle credit card, paying off your balance in full each month is crucial. By doing so, you avoid accruing interest charges and maintain a healthy credit score.
- Take advantage of bonus categories: Some auto credit cards offer bonus rewards in specific categories, such as auto insurance premiums, rideshares, or car rental expenses. Be sure to check your card has bonus categories and take advantage of them when possible.
Conclusion
Auto rewards credit cards provide drivers with an excellent opportunity to make the most out of their driving expenses. To maximize your rewards potential, it is important to choose the right card, understand the terms and conditions, and avoid common mistakes. By doing your research and choosing a vehicle credit card that suits your needs, you can earn valuable rewards while enjoying the benefits and perks that come with it. Start maximizing your auto rewards today!
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