FORD CREDIT CARD: Ford Credit Card Services

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People who use Ford credit cards get good service from the company. When you use the card to purchase a product, you’ll get a certain number of FordPass Rewards points automatically. You can use the points you earn to get discounts on Ford products, like your next Ford vehicle, Ford services and maintenance, and Ford parts. There is no annual fee for the credit card, and it can be used anywhere that accepts Visa payments. Read on to learn more about the services offered by the Ford Credit Card.

Does Ford Have a Credit Card?

Yes, the FordPass Rewards Visa Card is a regular credit card that can also be used anywhere Visa is accepted. The Ford credit card is a private card that can only be used at authorized Ford dealership services.

What Score Do You Need for Ford Credit Card Services?

You need a credit score of at least 650 for Ford credit card services. Due to the online portal that Ford credit Card provides, good services are provided, and the process of making payments is also simple.

How Long Does It Take To Get Approved for a Ford Credit Card?

Applying for credit online is a quick and easy process that is also safe. Moreover, the procedure will typically take between ten and fifteen minutes, and you should anticipate receiving a response right away.

How Do I Make a Payment to Ford Credit?

#1. Online

Make a single payment or set up recurring payments in Account Manager by clicking “Make a Payment” under the Payments menu. Sign in to Account Manager, click the “Settings” icon in the top right, and then select Automatic Payments from the drop-down menu to set up automatic withdrawals from your checking or savings account.

How to Make a Payment Online

Log in to Account Manager, then choose the kind of payment you want to make from the drop-down menu.

#2. Telephone

Please read the Telephone Payment Agreement carefully and print out a copy for your records before making a payment. However, making a payment over the phone with their automated service is possible. They’ll also take payments from your checking or savings account. Customers who are current on their accounts can call to arrange a payment up to 30 days in advance. No future payments can be scheduled for accounts that are overdue by more than a day.

How to Make a Payment by Telephone:

  • Call 1-800-334-1161
  • you can find your account number here.
  • Please enter the final four digits of either your Social Security Number or Taxpayer Identification Number.
  • Put in your bank account number as well as your routing number (see sample check here)
  • Check that the amount of the payment and the date it’s due to be deducted from your bank account are correct.

#3. Mail

Send your payment to the billing address shown on your invoice. If you don’t have an invoice, you can access the billing address from a previous statement by logging into Account Manager. Taking money out of someone’s paycheck Payroll deduction is an option for both current and former Ford and government workers. it’s not possible to reduce payments from a worker’s paycheck.

How to Pay via Mail:

  • Customers who have statements: Send your payment and invoice to the address on your statement.
  • Customers without statements: Payments should be sent to Ford Motor Credit Company PO Box 650575 Dallas, TX 75265-0575
  • Customers of Combined & TRAC: Payments should be sent to Ford Motor Credit Company, PO Box 650573, Dallas, TX 75265-0573.

#4. Payroll Deduction

It is possible to have payments deducted from the payroll of Ford employees as well as active or retired government employees. When it comes to leasing accounts, payroll deduction is not an option.

Here’s How to Get Started With Payroll Deductions

  • You can enroll in the payroll program or cancel your enrollment by downloading the enrollment form.
  • Employees of the United States Government, Both Active and Retired
  • Register through your organization’s payroll department.

#5. Wire Transfer

If your wire transfer payment is received before 6 p.m. Eastern Time, the deposit of your money will be the following business day. If you submit your payment request on a weekend, holiday, or after 6 p.m. Eastern Time, we will process it the following business day. MoneyGram will provide you with a MoneyGram Express Payment Reference Number. Save this for future reference.

How to Pay on Wire Transfer

MoneyGram is the preferred method of payment for wire transfers.

  • On the form for MoneyGram Express Payment, you will need to fill in the following information:
  • Ford Motor Credit Company is the payee. The receipt code is 2074.
  • The number of your Ford Credit account.

#6. Western Union

If your Western Union payment is received before 6 p.m. Eastern Time on a business day, your funds will be deposited into your account the following business day (utilizing the URGENT method). If you submit your payment request on a weekend, holiday, or after 6 p.m. Eastern Time, we will process it the following business day.

How to Pay on Western Union

Complete the necessary fields on the Quick Collect form, which are as follows:

  • The number of your Ford Credit account.
  • Payee: Ford Motor Credit Company Select URGENT as your preferred method of delivery

How Hard Is It to Get Approved for Ford Credit?

For Ford Credit, applicants need a credit score of at least 650 and can have a score as high as 850 in order to be considered. To be eligible, you must be at least 18 years old or meet the requirements set by your state, whichever is older.

Can I Pay With a Credit Card to Ford Credit?

You can pay with a credit card or debit card issued by Visa, MasterCard, or Discover; you can also use Apple Pay, or you can use money from your bank account.

How Do I Use the Card?

Use your card for everyday purchases, including:

  • Shopping and restaurants
  • Vacations and travel
  • Maintenance and home improvement
  • Healthcare and personal expenses

What Are the Relevant APRs for Ford Credit Cards?

The average annual percentage rate (APR) for all credit cards is 15%, while the average APR for accounts that carry a balance is 17%, as reported by the Federal Reserve Board. The variable APR on this card is significantly higher than the average regular APR. The APR on purchases made with the Ford Service Credit Card is variable and currently stands at 30.24%.

Does Ford Service Credit Card Report Your Account Activity to Credit Bureaus?

Your account activity will be reported to the following credit reporting agencies, as long as you have a Ford Service Credit Card:

  • Equifax
  • Experian
  • Transunion

You can also show that you are responsible for your finances by making on-time payments on a consistent basis to creditors who report their payment information to one or more credit bureaus. This can help improve your credit score.

How to Apply for a Ford Credit Card

  • Check out the website for the Ford credit card.
  • Complete the application form, and submit it. In most cases, you will be required to provide general financial information about yourself, including your Social Security Number, address, and annual income.
  • Make sure that the information that you provided is correct, and then submit your application.
  • If you are unable to qualify for this credit card due to your credit score, take a look at the guide that compares the various options available to people with poor credit.

The Advantage and Disadvantages of Ford Credit Card

The Advantage

  • There is no annual fee.
  • There is a variety of specialized financing options available.
  • When you bring your vehicle into the shop for maintenance or repair, you will receive a loaner vehicle.
  • Extended service plans can be obtained by using a credit card issued by Ford Service.
  • There is no annual fee.
  • Multiple credit bureaus receive information when you use your Ford Service Credit Card.


  • The interest rates were quite high.
  • APRs on purchases that are higher than the average.
  • Neither rewards nor cashback is available with this option.
  • There are some purchases that do not earn you rewards.
  • Does not include a large number of the benefits of credit cards.

Key Takeaways

  • Very high APRs. Those who regularly carry a balance should look elsewhere for a credit card. However, it does not charge an annual fee and has a variable purchase APR of 30.24%. 
  • People who are looking for a low-maintenance card will find this to be an excellent option. It provides you with the advantages of a credit card, but there is no annual fee that you are required to pay for the privilege of using it.
  • If your credit score is greater than 650, you will have a good chance of being approved for the loan.


Do FordPass™ Rewards Points expire?

FordPass Rewards Point balances expire and are forfeited after 365 consecutive calendar days of not earning points, redeeming points, or fulfilling a reward earned through FordPass Rewards.

How long does it take to get approved for a Ford credit card?

In most cases, you can expect to have your request processed and a response back to you within ten to fifteen minutes.

Do Ford retirees get a discount?

You can get a discount PIN from a sponsoring Ford employee or retiree through the X-Plan. 


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