Drive Card Credit Card: Benefits for Vehicle Owners

Owning a vehicle can be expensive, but the Drive Card Credit Card offers several benefits that can help you save money. This card is designed specifically for vehicle owners, providing rewards, special financing, and other perks that make it easier to manage the costs of owning and maintaining a vehicle. Whether you're looking to earn points on your purchases, take advantage of special financing offers, or enjoy added protections, the Drive Card Credit Card has something to offer.

Key Takeaways

• The Drive Card Credit Card allows you to earn points on various purchases, including dealership services, gas, and travel.
• Vehicle owners can benefit from exclusive protections like ID theft protection, fraud monitoring, and zero liability for unauthorized purchases.
• Special financing offers, such as 0% intro APR for dealership purchases, make it easier to manage large expenses.
• Points earned with the Drive Card can be redeemed for vehicle services, accessories, and even down payments on new vehicles.
• Additional perks include free access to your FICO® score, emergency wallet replacement, and expert resolution services.

Maximizing Rewards with the Drive Card Credit Card

Understanding the Rewards Structure

The Drive Card Credit Card offers a straightforward rewards structure. You earn points based on your spending categories. For every dollar spent at FCA US dealerships, you get 5 points. Gas and travel purchases earn you 2 points per dollar, and all other purchases earn 1 point per dollar.

Categories for Earning Points

Here’s a quick breakdown of the categories:

• 5% back on FCA US dealership purchases (vehicle service, merchandise, etc.)
• 2% back on gas and travel purchases
• 1% back on all other purchases

Using the Rewards Calculator

To see how quickly your points can add up, use the rewards calculator. Enter your estimated annual spend in each category, and the calculator will show you your total points. This tool helps you optimize your spending to maximize your rewards.

Using the rewards calculator can help you understand how to optimize your value and make the most out of your Drive Card Credit Card.

Exclusive Benefits for Vehicle Owners

ID Theft Protection

With the Drive Card Credit Card, we offer comprehensive ID theft protection. This means you can shop with confidence, knowing that your personal information is safe. Our service monitors your data and alerts you to any suspicious activity, helping you take action quickly.

Fraud Monitoring

Our advanced fraud monitoring system keeps an eye on your account 24/7. If we detect any unusual transactions, we will notify you immediately. This proactive approach helps prevent unauthorized use of your card and keeps your finances secure.

Zero Liability

You won't be held responsible for unauthorized charges on your Drive Card Credit Card. With our zero liability policy, you can rest easy knowing that you are protected from fraudulent transactions. This benefit is especially useful for those who frequently use their card for car rental benefits offered by credit cards, such as collision damage waivers and elevated earning rates.

Enjoy peace of mind with our exclusive benefits designed to protect you and your vehicle-related purchases.

Special Financing Offers

0% Intro APR for Dealership Purchases

One of the standout features of the Drive Card Credit Card is the 0% introductory APR for dealership purchases. This offer is available for the first six billing cycles when you spend $499 or more in a single transaction at FCA US LLC dealerships. After the introductory period, the APR will vary between 26.74% and 31.24%, depending on your creditworthiness and the Prime Rate.

Eligibility Criteria

To qualify for these special financing offers, your account must be open, in good standing, and not already subject to special terms. Eligible purchases must total at least $499 in a single transaction. It's important to note that all transactions are subject to approval.

Long-Term APR Rates

After the introductory period, the long-term APR rates will apply. These rates are variable and will range from 26.74% to 31.24%, based on your credit criteria and the Prime Rate. Make sure to review the Summary of Credit Terms for detailed information on annual purchase rates, fees, and other costs.

Special financing offers can make it easier to manage large purchases, especially when it comes to vehicle maintenance and upgrades.

Redeeming Your Points

In-Dealer Redemption Options

Redeeming your points at the dealership is straightforward and offers several options. You can use your points for genuine parts and services, or even put them towards a down payment on a new vehicle. This flexibility ensures you get the most value out of your rewards.

Using Points for Vehicle Service

One of the best ways to use your points is for vehicle service. Whether it's routine maintenance or a major repair, your points can cover the costs. This not only saves you money but also keeps your vehicle in top condition.

Redeeming for Accessories

If you're looking to personalize your vehicle, you can redeem your points for accessories. From custom floor mats to high-tech gadgets, the options are plentiful. This allows you to enhance your driving experience without spending extra money.

Redeeming points is not just about saving money; it's about enhancing your overall vehicle ownership experience. Make sure to explore all the options available to maximize your benefits.

Additional Perks and Protections

FICO® Score Access

With the Drive Card Credit Card, you can easily access your FICO® Score. This helps you keep track of your credit health and make informed financial decisions. Knowing your credit score is crucial for managing your finances effectively.

Emergency Wallet Replacement

Losing your wallet can be stressful, but our card offers emergency wallet replacement services. This means you can quickly get a new card and continue with your daily activities without much hassle.

Expert Resolution Services

If you ever face issues like identity theft or fraud, our expert resolution services are here to help. We provide professional assistance to resolve these problems efficiently, giving you peace of mind.

The Drive Card Credit Card offers a range of perks that make it a valuable choice for vehicle owners. From FICO® Score access to emergency wallet replacement, these benefits ensure you are well-protected and supported in various situations.

Comparing Drive Card with Other Credit Cards

Roadside Assistance Benefits

When it comes to roadside assistance benefits, the Drive Card stands out. Many credit cards offer some form of roadside assistance, but the Drive Card provides comprehensive coverage. This includes services like towing, tire changes, and even fuel delivery. In comparison, other cards might only offer basic services or require additional fees for more extensive help.

Cash Back on Gas and Travel

For vehicle owners, cash back on gas and travel is a significant perk. The Drive Card offers 2% back on gas and travel purchases, which can add up quickly for frequent drivers. Other cards might offer similar rewards, but the Drive Card's focus on vehicle-related expenses makes it particularly appealing. Here's a quick comparison:

Annual Fees and Other Costs

One of the most important factors to consider when choosing a credit card is the annual fee. The Drive Card has no annual fee, making it a cost-effective choice for vehicle owners. In contrast, many other cards with similar benefits charge annual fees ranging from $50 to $100. Additionally, the Drive Card offers competitive interest rates and no foreign transaction fees, which can save you money in the long run.

When comparing credit cards, it's crucial to look at the overall value they provide, not just the rewards. The Drive Card's combination of no annual fee, solid cash back rates, and comprehensive roadside assistance makes it a strong contender for vehicle owners.

How to Apply for the Drive Card Credit Card

Applying for the Drive Card Credit Card is a straightforward process that can be completed in just a few steps. Here’s how you can get started:

Application Process

1. Visit the Official Website: Go to the Drive Card Credit Card application page. Make sure to apply directly through the official site to take advantage of the current offers.
2. Fill Out the Application Form: Provide your personal information, including your name, address, and Social Security number. Ensure all details are accurate to avoid delays.
3. Submit the Application: Once you’ve filled out the form, review your information and submit your application. You’ll receive a confirmation email once your application is received.
4. Wait for Approval: The approval process typically takes a few minutes. In some cases, additional information may be required, and you’ll be notified via email.

Summary of Credit Terms

Before applying, it’s important to review the credit terms. Here are some key points:

• Annual Percentage Rate (APR): The APR for purchases ranges from 26.74% to 31.24%, based on your creditworthiness.
• Annual Fee: There is no annual fee for the Drive Card Credit Card.
• Rewards: Earn 5% cash back on dealership purchases, 2% on gas and travel, and 1% on all other purchases.

Approval Criteria

To be approved for the Drive Card Credit Card, you must meet certain criteria:

• Credit Score: A good to excellent credit score is typically required.
• Income: You must have a steady source of income to qualify.
• Other Factors: Your debt-to-income ratio and credit history will also be considered.

Applying for the Drive Card Credit Card and start saving today. Learn more about the benefits and start earning rewards on your vehicle-related purchases.

By following these steps and understanding the terms, you can easily apply for the Drive Card Credit Card and enjoy its numerous benefits.

Applying for the Drive Card Credit Card is simple and quick. Just visit our website and follow the easy steps to get started. Whether you're looking to build credit or enjoy exclusive rewards, the Drive Card has you covered. Don't wait any longer!

Conclusion

In conclusion, the Drive Card Credit Card offers a range of benefits tailored specifically for vehicle owners. From earning rewards on dealership purchases to getting cash back on gas and travel, this card provides valuable incentives for everyday spending. Additionally, features like fraud monitoring, ID theft protection, and free access to your FICO® Score add layers of security and convenience. Whether you're looking to save on vehicle maintenance or earn rewards on your daily expenses, the Drive Card Credit Card is a practical choice for any vehicle owner. Apply today to start enjoying these benefits and make the most of your spending.

Frequently Asked Questions

How do I earn rewards with the Drive Card Credit Card?

You can earn rewards by using your Drive Card Credit Card for everyday purchases. You'll get points for every dollar you spend, which can be redeemed for various rewards.

Is there an annual fee for the Drive Card Credit Card?

No, there is no annual fee for the Drive Card Credit Card. You can enjoy all the benefits without any extra cost.

What special financing offers are available?

The Drive Card Credit Card offers 0% intro APR for six billing cycles on dealership purchases of $499 or more. After that, a variable APR will apply.

How can I use my points?

You can redeem your points at participating dealerships for vehicle services, parts, accessories, or even a down payment on a new vehicle.

What protections are included with the Drive Card Credit Card?

The card includes ID theft protection, fraud monitoring, and zero liability for unauthorized purchases.

How do I apply for the Drive Card Credit Card?

You can apply online or at participating dealerships. The application process is straightforward, and you'll need to provide some basic information to get started.