Jeep Rewards Credit Card – Benefits, Rewards, and Guide

The Jeep Rewards Credit Card offers some nice perks for loyal Jeep and FCA brand customers. With no annual fee, a generous 7% cash back on dealership purchases, and a $1,000 new vehicle bonus, it can turbocharge your savings on future Jeep upgrades and maintenance.

This blog post will walk through everything you need to know about this niche auto rewards card. Keep reading for details on bonus offers, the best benefits, costs, and even how to apply for and activate the card.

An Overview of Key Jeep Credit Card Features

Here is an at-a-glance rundown of what makes the Jeep Rewards Credit Card stand out:

7% cash back at Jeep, Chrysler, Dodge and Fiat dealerships
2% cash back on other everyday purchases
$100 statement credit after first dealership purchase
$1,000 new vehicle bonus after spending $7,500 in the first year
0% intro APR on large dealership purchases
No annual fee

Next, let’s look at some of the best perks and potential downsides of this niche card.

Top Benefits of the Jeep Rewards Card

Earn 7% Back at Jeep and FCA Dealerships

The real star of the show is 7% cash back through the card on purchases made at Jeep, Chrysler, Dodge, Ram, and Fiat dealerships. This applies to sales, parts, service and more. That essentially equates to $70 back for every $1,000 you spend on your vehicles.

$100 Statement Credit Welcome Bonus

Spend just $100 at a dealership within your first billing cycle, and you’ll receive a $100 statement credit. This essentially negates that initial dealership charge.

$1,000 New Vehicle Bonus

Make $7,500 in total purchases on your card within the first 12 billing cycles and you’ll receive a $1,000 bonus certificate toward a new Jeep or other FCA vehicle. Depending on your purchase, that could negate 10% or more off MSRP.

No Annual Fee

Unlike many rewards credit cards nowadays, the Jeep card has no annual fee. This makes it easy to keep long-term.

Potential Downsides to Consider

High-Interest Rates

If you revolve a balance month to month, expect to pay a 22.74% – 30.24% variable APR. That’s well above average.

Foreign Transaction Fees

When traveling internationally, you’ll incur a 3% fee on all charges processed abroad. Many travel rewards cards don’t charge this.

Brand Restrictions

The best perks are focused on Jeep and FCA brand loyalty. The rewards don’t translate as well for owners of other vehicle makes.

Costs and Fees Overview

Let’s look specifically at the interest rates and fee structure:

APR: 22.74% to 30.24% variable
Balance transfer fee: None
Foreign transaction fee: 3% of each transaction in US dollars

As you can see, no annual fee is a nice plus but interest charges can be steep if you carry a monthly balance. Using autopay to pay in full is highly recommended.

Is the Jeep Credit Card Easy to Get Approved For?

Approval odds for this card are highest if you have good to excellent credit (above 670 FICO according to FICO®). But those with less pristine credit still have approval odds if other factors line up nicely:

Solid income
Low debt-to-income ratio
No bankruptcies or foreclosures
At least 3 years of credit history is ideal

If you have an existing relationship with Jeep or FCA Financial Services like a car loan, that also helps.

Overall the approval criteria are not overly strict for the Jeep card compared to premium rewards cards. Just make sure you meet enough benchmarks before applying to maximize approval odds.

Step-by-step Guide to Applying

If you decide the Jeep Rewards Card fits your wallet well, here is exactly how to apply in a few quick steps:

Gather personal info like your Social Security Number, income, employment details, and more for the application
Visit the secure online application through JeepRewards.com
Complete identity verification and the simple form
Provide authorization for a credit check
Receive a near-instant application decision
If approved, receive your physical Jeep rewards credit card within 5-7 business days

It takes less than 10 minutes from start to finish. You could get approved for 7% cashback on Jeep purchases in no time!

Tips to Activate Your New Jeep Credit Card

Once your approved application results in you receiving your real Jeep Rewards Credit Card in the mail from Comenity Bank, you will need to activate it to start using the card. Here is the simple process:

Call or use the automated system at 1-800-340-4165
Provide your identity details like SSN and date of birth
Choose a PIN code of your preference
Confirm that you accept the terms and conditions

Once approved, your account will officially open. You will receive a welcome packet with detailed instructions as well on how to activate your physical card over the phone.

Managing Your Card Account Online

Comenity Bank offers robust online account management through its website. Once your card is activated, visit Comenity.net and:

Click “Register” to set up online access with a username and password
Provide name, card number, SSN, date of birth, and zip code

Once registered online, you can conveniently:

Check statements and account balance
Make one-time or recurring payments
Set up alerts for due dates, available rewards, and more
Review monthly statements digitally
Update your profile information as needed

Comenity offers both web and mobile access for account management 24/7.

What If You Forget Your Login Credentials?

No sweat if you ever forget your online banking username or password for the Jeep card. Comenity Bank makes it easy to access your account again through their handy “Forgot User ID” and “Forgot Password” links.

Follow the prompts by confirming some account details or answering security questions. You will then receive an email with password reset instructions or can set up new credentials.

You can also call 1-800-340-4165 for login assistance from a Comenity service rep.

Avoiding Interest Charges

To avoid finance charges on purchases or withdrawn cash, always pay your full monthly statement balance by each due date. Comenity offers multiple ways to pay:

Set up autopay directly from your checking account each month
Pay online via Comenity with debit card or eCheck
Pay by phone 24/7 using their automated service
Mail paper checks to the payment address

As long as you pay on time each billing cycle, you pay $0 in interest fees. Set account alerts if needed to remember key dates.

How to Get the Most from Your Jeep Card

Follow this game plan to maximize perks from your Jeep Rewards Credit Card:

Use the card for all dealership purchases to earn 7% back
Remember the $100 new account dealer bonus
Make at least $7,500 in total purchases the first year to earn a $1,000 vehicle rebate
Use for gas and dining out to get solid 2% cash back rewards
Setup autopay and always pay the statement balance in full
Check rewards activity online to monitor earnings

Sticking to these best practices ensures you can earn and redeem rewards rapidly on your pathway to your next new Jeep.

Conclusion

The specialized Jeep Rewards Credit Card allows loyal Jeep owners to turbocharge their savings and discounts toward future maintenance, repairs, and even new vehicles.

Just ensure you use it wisely by paying balances off monthly while raking in the 7% dealership cash back and new customer perks.