What the Ram Credit Card Is
The Ram Credit Card is a co-branded card issued by Synchrony Bank in partnership with Ram Trucks. It is designed for people who buy Ram vehicles or want a card tied to the Ram brand. Like most co-branded cards, it offers rewards on Ram-related purchases and everyday spending, along with occasional promotional financing offers.
The card comes in two versions: the Ram Credit Card (for general use) and the Ram Truck Rewards Card (focused on truck-related purchases). Both are issued by Synchrony, which also manages cards for other automotive and retail brands. The card is not exclusive to Ram owners — anyone can request one — but the rewards structure is built around Ram purchases and dealership spending.
This is a standard credit card, not a financing plan or lease product. You receive a credit line, make monthly payments, and build or rebuild credit history through on-time payment. The rewards and promotional offers are the main reasons someone would choose this card over a general-purpose alternative.
Key Takeaways
- The Ram Credit Card is issued by Synchrony Bank and offers rewards on Ram dealership purchases and everyday spending, with rates and terms that vary based on your credit history.
- The card typically offers promotional financing (such as 0% APR for a set period) on Ram vehicle purchases at participating dealerships, though you must meet credit requirements to receive the offer.
- Rewards rates are higher at Ram dealerships and on Ram-branded purchases than on other spending, so the card makes most sense if you plan to buy or service a Ram vehicle.
- Like any credit card, late payments, high balances, and missed payments will damage your credit score and result in interest charges and potential fees.
- You can request the card through Ram's website or at a participating Ram dealership, and Synchrony will review your credit history to decide whether to approve you and what interest rate to offer.
Rewards Structure and Earning Rates
The Ram Credit Card rewards structure is tiered by purchase category. At Ram dealerships, you earn a higher rate of points or cash back — the exact rate depends on which version of the card you hold and current promotions. On all other purchases, you earn a lower rate.
The card also offers periodic promotional bonuses: for example, extra points for the first 90 days after opening the account, or bonus points during specific months. These promotions change, so the current offer at the time you request the card may differ from past offers.
Points can typically be redeemed for statement credits, gift cards, or merchandise. Some versions allow you to redeem points toward Ram vehicle purchases or service. The redemption options and point value vary by card version and current program terms, so you should review the specific terms before requesting the card.
Promotional Financing and How It Works
The Ram Credit Card frequently offers promotional financing rates — most commonly 0% APR for a set number of months on Ram vehicle purchases at participating dealerships. This is one of the main reasons people request the card: the promotional rate can save hundreds or thousands in interest if you are financing a vehicle purchase.
To receive the promotional rate, you must request the card at or before the time of purchase, be approved by Synchrony, and use the card to finance the vehicle at a participating Ram dealership. The dealership must also be enrolled in the promotional program. Not all dealerships participate, and not all vehicle purchases may have access to, so you should confirm with the dealership before assuming the rate applies to your purchase.
The promotional period has an end date. After the promotional period expires, any remaining balance will accrue interest at the card's standard APR, which is based on your creditworthiness and current market rates. If you do not pay off the balance before the promotional period ends, you will owe interest on the remaining amount.
Interest Rates, Fees, and Credit Requirements
The Ram Credit Card's standard APR (the interest rate you pay on balances) is not fixed. Synchrony sets your rate based on your credit score, credit history, income, and current market conditions. People with higher credit scores typically receive lower rates; people with lower scores or limited credit history may receive higher rates or be denied.
The card may carry an annual fee, though some versions are fee-free. Synchrony also charges late fees if you miss a payment, over-limit fees if you exceed your credit line, and returned-payment fees if a payment bounces. These fees are standard across most credit cards and are disclosed in the card's terms and conditions before you request it.
If you carry a balance (do not pay the full amount due each month), you will owe interest on that balance at your APR. Interest accrues daily and is added to your balance each month. Paying only the minimum payment means most of your payment goes toward interest rather than reducing the balance, and it takes much longer to pay off the card.
How to Request the Card and What Happens Next
You can request the Ram Credit Card through Ram's official website or in person at a participating Ram dealership. The dealership route is common if you are buying or servicing a vehicle and want to use the card for that purchase. Online, you fill out a brief form with your personal information, income, and employment details.
Synchrony will then review your credit report and history. This review is a "hard inquiry," which means it appears on your credit report and may lower your credit score slightly (usually by a few points). The review typically takes a few minutes to a few hours, and Synchrony will notify you of approval or denial by email or phone.
If approved, you receive a credit line (the maximum amount you can borrow) and a card in the mail within 7 to 10 business days. You can also request a temporary card number to use when ready for online or phone purchases. If denied, Synchrony will tell you why (for example, insufficient credit history or a recent late payment) and you can request the card again after addressing the issue.
When the Ram Credit Card Makes Sense
The Ram Credit Card is most useful if you plan to buy a Ram vehicle in the near term and want to take advantage of promotional financing, or if you own a Ram and service it regularly at a dealership. The higher rewards rate at Ram dealerships means you earn more points on those purchases than you would with a general-purpose card.
If you do not plan to buy a Ram vehicle or use Ram dealership services, a general-purpose rewards card (such as a card that offers cash back on all purchases) will likely give you better value. Those cards have no annual fee and offer the same rewards rate everywhere, so you are not locked into one brand.
The card also makes sense if you are working to rebuild credit and want a card from a major issuer (Synchrony is well-established and reports to all three credit bureaus). On-time payments on the Ram Credit Card will improve your credit score over time, which can lower rates on future loans and credit cards.
Comparing the Ram Card to Other Options
| Feature | Ram Credit Card | General-Purpose Rewards Card | Ram Dealership Financing |
|---|---|---|---|
| Rewards at Ram dealerships | Higher rate (typically 2–5%) | Standard rate (typically 1–2%) | None (financing only) |
| Rewards on other purchases | Lower rate (typically 1%) | Standard rate (typically 1–2%) | None |
| Promotional financing available | Yes, at Ram dealerships | No | Yes, direct from dealership |
| Annual fee | Usually none | Usually none | No |
| Best for | Ram owners or buyers planning a purchase | People who want rewards everywhere | People who want straightforward financing without a card |
If you are buying a Ram vehicle, you have three main options: the Ram Credit Card with promotional financing, a general-purpose rewards card, or direct financing through the dealership (without a card). The Ram Credit Card wins if you want both rewards and promotional financing. A general-purpose card wins if you want rewards on all spending, not just Ram purchases. Direct dealership financing wins if you want to avoid opening a new credit account.
Frequently Asked Questions
Do I have to own a Ram truck to request the card?
No. The Ram Credit Card is open to anyone, regardless of whether you own a Ram vehicle. However, the rewards structure is designed for Ram owners or people planning to buy one, so the card offers less value if you do not use Ram dealership services.
What credit score do I need to be approved?
Synchrony does not publish a minimum credit score for the Ram Credit Card. Generally, people with a score of 650 or higher have a reasonable chance of approval, but approval depends on your full credit history, income, and current debt. People with lower scores may still be approved at a higher interest rate, or may be denied. The only way to know is to request the card and let Synchrony review your information.
Can I use the promotional financing rate on a used Ram truck?
Promotional financing rates typically explore to new Ram vehicles purchased at participating dealerships. Used vehicles may not may have access to, though some dealerships run separate promotions for used trucks. You should ask the dealership whether the promotional rate applies to the specific vehicle you are buying before requesting the card.
What happens if I do not pay off the promotional financing before the period ends?
Any remaining balance will begin to accrue interest at your standard APR once the promotional period expires. For example, if you have a 0% APR promotion for 60 months and still owe $5,000 after 60 months, that $5,000 will start earning interest at your regular rate. To avoid this, you should plan to pay off the balance before the promotional period ends.
Does requesting the Ram Credit Card hurt my credit score?
Requesting the card triggers a hard inquiry, which may lower your credit score by a few points temporarily. If you are approved and use the card responsibly (paying on time and keeping your balance low), your score will recover and improve over time as you build a positive payment history. If you are denied, the hard inquiry still appears on your report but has no lasting impact.