We’re here to help you make the most of your account and how to manage it.

Using Your Credit Card

Using your card for monthly bills, everyday purchases and within digital wallets is easy.

Understanding Benefits

Confidently use your credit card with Zero Liability and FICO® Credit Score access.

Paying Your Bill

Account payments are easy with many convenient options.

Additional Services

Learn how to add an authorized user, request a credit increase and more.

Ram Card

Ram® Mastercard®

With the Ram® Mastercard®, you earn unlimited rewards on everyday purchases. Your rewards can add up fast.1

You can use your rewards for purchase of:

  • Dealership services, parts, or accessories
  • Next new FCA vehicle purchase
  • Online rewards including gift cards and cash back!

Frequently Asked Questions

Earning rewards is simple with the FCA Mastercard®! Use your card for everyday purchases and earn unlimited rewards.

No annual fee. Simply great rewards.

Rewards expire 7 years after they are awarded.

There is no limit to the amount of rewards a customer can earn.

Your percentage back is earned as points and will show on your credit card account statement.

Before visiting the dealership, redeem your points for a Dealership Redemption Prepaid Mastercard®! This card can be used for in-dealer purchases at any participating FCA dealership for service, parts, sales or accessories. The best part is, the card is virtual so it will be emailed right to you for quick access. Follow these steps to redeem your points for a Dealership Virtual Card today.

  1. Log in to your FNBO online account and click to Redeem Rewards
  2. Select one of the in-dealership redemption options (Service/Parts, Accessories, etc).
  3. Select the amount of points you wish to redeem and add to cart.
  4. At Checkout, confirm order and email address for successful virtual card delivery.
  5. The Dealership Virtual Card should be emailed to you within 15 minutes of your redemption but could take up to 24 hours.
  6. Show the dealership employee the Dealership Virtual Card on your smartphone while paying or you can print out before coming into the dealership.
  7. Enjoy!

FNBO is part of the largest privately owned bank holding company in the United States and the issuer of the FCA Mastercard®.

1 See your Credit Card Rewards Terms and Conditions for details including earning, redemption, expiration or forfeiture.

FICO and “The score lenders use” are trademarks and/or registered trademarks of Fair Isaac Corporation in the United States and other countries.